I aspire to be intelligent with moments of genius.
So far, I have managed awkward with moments of competence.
Free Advice and Worth the Price
People who are telling you not to get out of the market if you are in your 20s and 30s are not crazy. You are getting very depressed prices now, so keep dollar-cost averaging (putting in the same amount each month) and hold on. 20 and 30 somethings who did that through the 1987 crash have seen the Dow more than triple even to this "low point" and they aren't even at retirement yet, so don't fret.