Nah. I only invest in the market a bit and it is all buy+hold index funds. Most of my investments are in real stuff. Like paying for my wife’s uni degree, buying a rental property with my brother-in-law, getting a tutor for my kids in math. You will never be poor if everyone you is doing well. Besides I trust my family friends a lot more than I trust Goldman Sachs mortgage backed securities and Bear Stearns.