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     4O1K, I’m not sure that I want to trust someone to put my hard earned money into stocks. Isn’t it like gambling with your money? The way the stocks are these days, a lot of people are loosing their retirement. I would rather hold on to $5.00 than give it  someone and hope they can double it or triple it. You might just have lost that $5.00 to the stock market. At least if you save it yourself you know it’s going to be there in the morning. The economy right now seem to unstable, and I’m afraid it might get a lot worse. Some people make out great! But, its not for me.