Now you can narrow the market.

You still have to fuel the fire through saving. You have to keep contributing to your IRA.

The economy has changed. We're going to be facing more volatility in the job arena. That can wipe you out in a heartbeat.

I like to call it paying yourself first. It means putting yourself as a priority.

It is important to keep in mind that great risk exposure does not automatically guarantee greater rewards.

Whenever there is a rapid change in life -- a death, a divorce, whatever -- put the money in a something that is liquid paying a decent return while you're deciding what to do.