Fuck that. What happens when you die the day you retire? What happens if you travel too much and get to be 65 with no retirement fund? Hope the Democrats are still in office, duh. On a more serious note, I believe in investing in my future. I work for myself and have a savings account. Got any suggestions for investment? Cause buying a house is starting to seem like a joke. If you're one of those contrarian-types though, now would be the best time to buy a house. Mortgage rates are the lowest in 50 years, plus home prices are better for the buyer now. On a $200,000 house 1 percentage point on the loan interest translates into a difference of about $120 per month, which translates into $86,400 over the life of a 30 year loan. I don't know about you, but that's a really good chunk of change and can make up for quite a bit of stagnant home price years in which the value of the home does not go up. Plus you have to ask yourself, if you're going to live in this house forever, who cares about resale value? All you're doing with a lower valued home is saving property tax each year. That sounds good to me. And how long do you expect this housing crisis to last? 30 years? I doubt it. Even 5 or 10 years? As for where to invest, it depends on your timeline IMO. But you can always just go back to the old mix of stocks and bonds. China is expected to have explosive growth for the next couple of decades, they've already started. They had something like 8% growth last year while the US was still marred in recession. If you think the US will be stagnant for the next 5 years, don't be afraid to look at emerging markets and countries. But IMO, if you're an active investor, there will be plenty of opportunities to make money in the US market yet. Just stay away from penny stocks. Don't get caught looking for the quick 10-bagger as it will ruin you. I just figured up last night that if I wasn't stuck with the three penny stocks that I have that are losing money for me, I would have earned 19% since I began investing last January, which rapes the market return of about 7% when adjusted for market value when I added money to my account a few times over the last 1.5 years. Instead, I'm stuck at an 8% loss and just hoping these pennies will go back up just so I can break even. My boss has recently advised me on the value of doing covered calls with dividend-paying stocks. You not only get dividend, but get money from writing call options. It may limit your upside to 10-20% if the stock gets called away, but don't be greedy. It also protects you for about 5% to the downside just because of the income you get from the dividend and writing the calls. Plus if the stock stays put, you can continually write calls every month if you want and just keep garnering the money from it. Just gotta have a long term approach and not worry about day-to-day or even month-to-month fluctuations.