Always self-employed and a single mom at the time, I began to invest in DRIPs in the 80's as I realized that I needed to provide for own future (no pension, etc.) I educated myself as I went along and quickly realized that mutual funds were a lazy person's way of not taking responsibility for one's own money. Stocks were and are the only way for the "little guy" to build wealth. I also learned not to make decisions based on fear or greed and stuck with solid companies which I had thoroughly researched. Now I am educating my grandchildren to do the same. It works.