Yeah, I was going to give the author a hard time, but the fundamental ideas aren't bad. Considering most people without training invest like drunken cowboy figh

Yeah, I was going to give the author a hard time, but the fundamental ideas aren't bad. Considering most people without training invest like drunken cowboy fighter pilots riding a skateboard backwards down a hill, being told to be ultra-conservative might push them from "totally asinine" to "moderately asinine" and thus is a good thing. Index funds are probably the easiest way to stock your IRA these days. If you have larger money, real estate probably offers more flexibility with tax deductions on interest and 1031 exchange to defer capital gains from selling if you buy more property. But I'm not an ultra-savvy investor myself, and my IRA got obliterated with everyone else's last year. I reckon I'll sit on it for some decades and it'll be okay again.