I'm retired from a corporation that used the bankruptcy courts to rid themselves of contractual pensions and medical insurance obligations. I didn't do to well with professional money managers and have become concerned that I may not be able to maintain my fairly conservative lifestyle if I continue to trust others. I am, therefore, in the process of becoming more knowledgable and proactive on money matters. I try to spend a few hours a day reading about investments and trying to determine truth from fiction. I should have started this sooner.