People seem to concentrate on the wrong risk when investing

    Many of us never start to invest or save because of the risk of losing money. It takes a long time to save and invest enough to retire someday. Some never start because it's not easy, and the risks just seem too high. The truth is, after saving for many years, we could end up falling short of our goals and plans. The other alternative is to live for today and not save or invest at all. This solution does take all the risk out of saving and investing. With this solution we will be guaranteed to end up with zero. We will have zero money saved, zero money earning interest income, and zero percent chance of ever retiring. The choice is up to us, Finwiz.