 You can't get into the stock market and put either your emergency fund or your savings retirement fund in the stock market without the risk of it going down. Let's see, by the time I was getting into this show today, the stock market was down 380 points. Earlier this week, it was down 800 points. Now, it came up the day in between a little bit, and I don't know how much, so I'd be misstating. But the bottom line was, as I walked into this room to do this radio show, stock market was down 380 points. Is that where you want your money?