Just do it!

While talking heads and pundits bicker and debate on whether or not we are seeing "green shoots" or "green weeds" and if the recession has ended or if the economy will continue to be dogged by rising unemployment, life goes on. The average investor has to decide what to buy and when to buy it. If you are saving for your child's college or your own retirement, you still need to save. If anything, you may need to save more. While inflation will always be a problem in the long term, it should not be your primary focus when choosing where to invest your money. Just Do It, is more than just a clever tag line by Nike, it is a simple solution to get people moving in the right direction. Some people get paralyzed by fear. Fear they are doing the wrong thing, fear they will lose money, fear they are paying too much. As most parents will tell you when reflecting on the life of their children: time flies! If you wait for the right time or the best moment to start saving and investing, that time will likely never come. But your kids will still grow up and want to go to college, and you still will someday quit working and hope you have enough savings to fund your retirement years. So turn off the TV and keep funding your kid's college savings account and your retirement plan. Don't like the Nike slogan? How about this old school pearl of wisdom: If you fail to plan, you plan to fail. Hey, Nike's stock isn't half bad either!