Good one. I want a hot tub too, can I be a Lifestyle Correspondent?
I know someone who never got her money into the market at all and her 401k is in CD's. I called her fearful, but she's doing good now and didn't risk, but didn't loose either, but also, she did no work at it and had no worries or stress over her accounts. Now I see that as an ok option, a fine way to go, in hindsight.