I am semi-retired at this time. Regrettably, I started late investing in dividend growth investing. Until 2010 I told myself I was investing in the stock market plus I had a company 401k comprised of company picked mutual funds that put my future and my savings in the hands of a fund manager, with no interest in my or my family’s future, sitting at a desk making decisions that I am as capable of making, or possibly more capable of making. Now I am trying to make up for lost time without subjecting my savings to any unnecessary risk. I do consider short term trading in the market an unnecessary risk. I have my personal criteria for buying or selling a stock. Built into those criteria are thought processes that rein me in from the temptations to make that trade that will catapult my net worth into the 7 figures.