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I think the number one safe haven where people put their money is to invest in yourself first.

And what I'm interested in is investing in people.

I have learned that nothing is certain except for the need to have strong risk management, a lot of cash, the willingness to invest even when the future is unclear, and great people.

Because of my own experience with market fluctuation, I recognize the great risks one takes on investments. This converts the Social Security safety net into a risky proposition many cannot afford to take.

It's important to understand how people perceive risk, and how that translates into investment behavior.

Look: invest in what you understand, what's foreseeably going to offer real value and returns, not necessarily what's trendy.

My wife and I invest very, very conservatively.

I would suggest that you only take advice from those people who have a lot of experience and who you trust as well. Also, be extremely conservative with your investments.

If you don't risk anything, you risk even more.

I'm smart with my money, I invest conservatively. I don't mind paying top-dollar, but I don't want to get ripped off.