i'm a registered nurse, ex CPA, entrepreneur, small time investor i made a small fortune in the computer business in the clinton era and lost it trying to open a chain of restaurants. so i've been both up and down... and i have no desire to repeat the down. at this time in my life, i'm fairly risk averse - with the exception of some agressive investing. i have no debts. the house, car, boat, etc.. is all paid for. i am starting a video production business to produce test prep software with integrated video. i've got a small fortune invested in this, and i'm still building the studio. fortunately, it is all paid for, so i am fairly bullet proof and i've priced failure in my equation, so with this business - i can fail until i succeed. this is what the hard lessons in life have taught me. if your business plan tolerates no failure, you darn well better be 100 % on top of the market and your game. if it does tolerate failure, you have the opportunity to learn and improvise. and so it is with investing :).