Finally, don't play it all in the stock market. You still need to keep some of your money in cash. Today the market is doing well, but we all know that can quickly change. It's important to invest, which historically -- over time -- does deliver better returns than just parking your money in a bank account. But don't gamble too much.
"What scares me is the guy who has been very conservative and finally gets frustrated by low interest rates and he takes the plunge into the market at the wrong time," Barrington said. "Don't panic into stocks."
So there you have it -- another series of gloomy reports. Just call me Mrs. Doom.
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