I don't blame you for feeling frustrated. Sometimes the stars just don't align the way you want them to. Well we can't all decide to take the responsible step of saving and expect the world conditions to be right. It'll be fine mate, just keep hoping and by mid decade we'll be laughing and all this will seem a long time ago. I guess it's easy to be frustrated by the short term gains we hope for, but it's all about the long run. After all saving is about using it in the future.