I'm a Texan mother of five registered nurse, who recently married a hardworking-but-underemployed fifty-something wonderful guy, learning to invest my IRA, from which I make yearly (so far penalty and tax-free) withdrawals, a practice which will likely continue. I'm a formerly wealthy wife of a narcissistic MD, and I want to tell all you currently wealthy investors that the common folks out here barely making it financially. I hear people talk about living off of crows, squirrels and wild plants. When I cashiered at Wal-Mart last year, one young woman wept when she saw the total for her meager groceries. There are untapped sources of economic growth however: for example, Mexican immigrants are almost all shrewd and hard working, but completely ignorant of our system and resigned to being exploited economically. If they understood capitalism and had access to capital and had business knowledge, they would be entrepreneurial dynamos. If you want to invest in a business, I suggest mentoring and investing in a legal immigrant. This probably applies to refugees as well, of which Dallas alone has 80,000. Just a little input from an over-qualified housewife married to a highly educated Mexican immigrant.