Good advice cclaeys...I only work the market with my "Monopoly Money"...Started out years ago borrowing $4000 to get me going and have ridden it very nicely for a long time..but would not ever take essential funds for market speculation ...Too many things can happen..Some of the best advice IMO is if you cant afford or comfortably accept the loss of it all then simply Dont Do It.This thing seems Super but in the market there are NO guarantees...Simple