I disagree that the blame lies with republicans forecasting gloom and doom. The stock market is horrible and I think a bit under-valued. But each time I say that out loud some new and very real announcement of fact comes out and another "too big to fail" corp is failing and needs a handout. If I had investments in the market, I would be terrified to lose more. No one has any real idea of what is going on behind the scenes or how endangered their investments are. I agree that putting away some money for investment later is a good idea. I think this is the mindset of those with money. I wonder (not willing to say expect yet), should the idea of busting up ma bell be applied to these "too big to fail" financial corps?