Read? Time Factor in Saving vs. Investing??? Let continue with another two true stories .. Young Noob in his mid 20s and started trading/investing in year 2006. He got himself educated in both TA and FA. He didn't just read books on TA; he also paid course fee to attend training by professional and graduated from School of ChartWhatEverWin. He also mixed up around with those like-minded in forums and cboxes. Do you need to guess what happened to his investment portfolio by Mar 2009? No. Right? Uncle8888 last heard from him that he has learned to stay out of market and quietly building up his new War Chest for the next Bear-Bull cycle. Auntie Noob in her mid 30s came in 2009 to ask one question: "Can we make money in the stock market?" The answer to her is Why not? ......