We all have financial regrets. Things we bought, bills we paid late, decisions we didn’t research. But people have NO idea how bad they are at investing. Over time their results far underestimate their actual returns. It is imperative for you to learn to manage the behavioral impulses of emotional buying and selling that can come from following the market's ups and downs. It’s seems to be human nature to fall victim to media hype or fear, causing us to buy investments at peaks and sell during the valleys of the cycle. We have to break this pattern, and always buy low and sell high! Investing without emotion is easier said than done, but Rick and Teresa recommend using the Barbell Investment Strategy and invest using fixed interest-paying, mutually--owned insurance policies. Be sure to maximize all your retirement accounts and invest those funds conservatively as well.