I agree with you, Naemanson. After being badly frightened by various traumas in my life I decided that understanding money would be one thing that might keep me safe. I set out to learn as much as I could in spite of the fact that my financial management father told me I shouldn't make any decisions on my own.

I've never regretted beginning to make investments when I was in my twenties. One thing we have in Florida is prepaid college tuition which is an excellent bargain. Of course, it doesn't pay room and board but I invested in that and feel some control over that financial challenge. We are also looking daily at FastWeb.com a scholarhsip web site that will send scholarship alerts. There is alot of money out there to be had for college expenses!

I keep a file of info on saving money to share with clients from energy conservation strategies to understanding 12b(1) expenses. I still do dollar cost average investing even though the market is a mess. Right now, CD's, and good old Series EE savings bonds look pretty good...I cashed in a UGMA investment just a little while ago to buy Nathan a car and I'm glad I did. At this moment I would have lost half it's value if I had waited...hg