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<p>[QUOTE=&quot;Cloudsweeper99, post: 859116, member: 3011&quot;]You are correct that one of the goals of professional money managers is to make investing look so complicated that people believe they need to hire professional money managers.</p><p><br /></p><p>It isn&#039;t necessary to follow the crowd or have an IRA.&nbsp; It is necessary to save substantial sums of money during your working life and put it into something that will grow or at least maintain purchasing power.&nbsp; The alternative is to work until the day you die or become too weak or ill to work.[/QUOTE]</p><p><br /></p>

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