doug flynn you have people who come to you with these questions.>> it's a good point. i think part of it is in the book we have a detailed risk profile. that's something that deserves to be looked at. i think you might have more appetite for risk than you think with goals that might be 20 or 30 years away. goals a year or two away you shouldn't have anything to do with the stock market. people tend to put everything in one bucket and be the portfolio, i'm in the market, out of the market. if you separate goals think more like long-term goals i can be more aggressive with than i'm comfortable with and i'll learn to be comfortable. short-term things, savings, i don't worry if the market goes down 20%. you have to start looking in and thinking 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 either do really well or do poorly. when you do well you take bigger bets until it case in. or if you do poorly, they have been burned, haven't made