text:  Well, I'm at the age now, uh, mid fifties, uh, to where you want to get to be conservative with your investments. However, uh, for retirement, however, I don't have a retirement because of life choices that I've had to make throughout the years. So now that I'm finally in a financial position to where I can start making investments, I'm afraid to make liberal investments, to make money, to actually have a retirement.