Running everything through the stock market doesn't seem like particularly good risk management to me. Even with a diversified portfolio, in a panic everything

Running everything through the stock market doesn't seem like particularly good risk management to me. Even with a diversified portfolio, in a panic everything goes down. With something tangible, like a building, or a piece of equipment, you can still get some kind of revenue stream from the use of it while you wait for the market to recover. If Wal-Mart guy could have put some of his retirement into lawn equipment or a hot-dog cart, I'm almost certain he could make more in an afternoon with that than what Wal-Mart is paying him for a week's work.