doug flynn, you have people that come to you with these questions.re just, i don't have the appetite for more risk. what do you tell them? >> that's a good point. in the book we have a detail risk profile. i think that's something that deserves to be looked at. i think you might have more appetite than you think with goals 20, 30 years away, goals a year or two away, you shouldn't have anything to do with the stock market, but people contend to put everything in one big bucket. if you separate into your goals, you can start thinking like hey, long-terms goals i can be more aggressive with, but short-term things, savings and money i need tomorrow should have nothing to do with that. and money i need tomorrow should have nothing to do with that. i don't worry if the market goes down 20%. you to start looking at it and thinking about it that way. that's the beginning of developing a portfolio and getting comfortable with investing. two bad things can happen to people when they start investing. you do really, really well or do really, really poorly. and