What does this mean? After that date, NO Microsoft security updates will be available for these systems, leaving them more open to infection from malicious sites. While the computer systems will continue to run, Microsoft will no longer fix any bugs and other security problems that are discovered with the operating system. Additionally, new software, printers, accessories, etc., is no longer guaranteed to work on them.
If you store credit card data, medical data or anything sensitive, changing from XP is crucial. PCI compliance (the credit card security standards) and HIPPA will fail your security just by having an XP machine on your system
If you have an XP machine but can't afford anything new we have lots of, good quality, used options.