I have been an investor since the late 70's. I was a stationary engineer/ HVAC tech when I had to retire due to medical problems. I started with Muni bonds and utility stocks, and was a buy and hold investor till I was forced to trade in order to recover the losses from the market collapses in 2000 and 2008. In 2000 the collapse of nursing home bonds did considerable damage to my money invested, but I was able to recover and grow my portfolio by taking on an educated risk in defaulted muni bonds that my new broker brought to me. Then in 2006 I put the money into the stock market since there was little if any bonds of the type I invest in available, only to watch it disappear. Since the collapse and my medical retirement started about the same time, I started trading and still holding what I think are key investments. The collapse took about half of my money invested but through trading I have since tripled that money. I like to invest in the MLP's, REIT's, BDC's, Utilities and anything that either pays a good dividend or is severely undervalued. I believe that anyone can become wealthy if they are willing to sacrifice and work hard and try to educate themselves to the best of their ability.