Just turned 50 in September and basically I am investing FULLY in the market each and every month via the 401k and ROTH/IRA accounts ...maxing out all that I can. Being broadly diversified means not only that some funds go up while others go down, it means that all go down, some just not as much. Come on, think about the "market" for a minute.Last year we were paying "x" dollars more for a certain stock than what they are being "offered" now. They are on sale. Granted that some specific companies and businesses (banks for example) are heavily discounted, most good companies have been tossed out with the proverbial baby and bath water (think about this, a baby being tossed out with the bath water. HA!)Everything is on sale.Jeeze, some of this "good" stuff is at fire sale prices.I'm seriously considering how to make the business deals work to MY advantage. Cash is the king right now and with 20/20 hindsight I knew back in November of 2007 that I should have gone to cash with everything [decision moose - go to cash November 9, 2007 http://www.decisionmoose.com/Moosistory.html] (in June of 2006 I should have sold ALL my real estate and then bought it back at a 20% DISCOUNT NOW).Well, 20/20 hindsight is PURRFECT.So what. I still am fully invested. The economy is US!Of course I am reevaluating ALL my expenditures but I am also reevaluating the reason to spend. Fiscal responsibility is fundamental, the go go credit days may be in the past, but, those with a good job and cash flow should not be the ones who are circling the wagons. We would be leading those wagons onto new plans of wealth. Opportunity lies at our feet.We just need to see it. Stop crying oh my and start crying OH MY!!MZ4 (a complete and solid bull - works well in San Francisco... :-)
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