I started investing after college in 2000 before the .com bubble. I managed to lose half of my tiny investment at the time by following analyst and professional advice. I quickly learned that the pros have no idea what they are doing on average so I will need to learn things myself. I didnt have much money or time so I put learning aside for a while as I worked and saved. I moved all my money into a treasury fund. Fast forward 8 years. My treasury fund rose almost 50% by year end so I sold. My proceeds were about $50k. I waited a while while the panic escalated into March of 2009. At that point I knew it was now or never so I finally jumped back in. My $50k went into BAC at about $2.85. It doubled in less than a week. BCS was still trading at about $4.50. I bought on a dip and intended to hold long. It almost tripled by end of March so I exited. I now had $250k. I splurged on junk bonds looking for future income. I targeted panic stricken REITs specifically because of their hard assets and many were yielding well over 30%. Those have since climbed about 500% while paying me a dividend all along. Those are still in my portfolio today minus a few that were redeemed at face value. I continuously reinvested my dividends. My next targets were oil and NG MLP's. Those have more than doubled since then and they all paid well over 15% distributions. I sold them last year when NG started to plunge but I do believe that NG has a bright future in the USA. My performance in 2009 was incredible and too unbelievable to bother mentioning. I became a millionaire in early 2010. My portfolio doubled again in 2010 ending at about $1.4m and my income had grown to about $200k per year. 2011 I had significant dividend growth due to shifts but my portfolio was relatively flat overall gaining only 9%; however, it was heavily spring loaded because by the end of January 2012 it had gone up another 20% greatly beating the markets. Needless to say I am now retired. I go to college to learn things I always wanted to learn. I am completing a 2nd BS, this time in Computer Science and I plan to continue on to the MS and PhD levels. I am also trying to expand my families real estate business of 20 years from simple mortgage and real estate brokerage to property ownership and management. So far so good, I am up to 6 properties. Clearly I am bullish on real estate right now. Not so bullish on stocks. I am looking for a pull back on treasuries so I can park my money there but till then Ill be buying up rental real estate.