Hi Peter,
All the above comments are excellent, but what struck me the most was simply flipping your headline and opening sentence around (I saw this in 10 seconds)

- I really like your opening sentence (but with You):
Are you sick and tired of living with the fear that if anyone so much as sneezes, your financial house of cards will come crashing down around you -- Leaving you flat broke and financially trapped?
You've got a good job, pay your bills on time, live well within your means -- and still have nothing put away that you can look forward to in retirement...
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My personal take, but this sounds more powerful to me, and excellent for a lead into the rest of your letter.
If you test these different versions, do let us know what the winner is... I for one would be curious. We're talking subtleties here, but who can predict the winner?
Good luck,
Tim