It's vital you continue contributions to a retirement plan. People stop funding. That's the No. 1 mistake.

If your mind is clear as to what you are trying to do, if you can say what you want out of life and make your money move in that direction, you will be happy.

They don't realize compounding works both ways. It makes you rich when you're investing and it makes you poor when you're spending. I know people don't want to hear it. When you're young, you're invincible.

The longer you leave it in checking, the more likely it will vanish.

Don't add new money until the company has its compliance under control.

There's no Plan B. So you're a little more exposed.

I don't think these abuses will continue.

If the economy is indeed slowing down, wouldn't it be nice to have some money set aside?

By selling, you're making an ethical statement. But don't cut off your nose to spite your face.