There are a number of ways to approach managing investments in retirement... You can choose from growth strategies, value strategies, market timing strategies, technical trading, or simply put money in cash and wait for the next market crash—which is in itself a form of market timing. Intuitively, market timing seems the most sensible to the amateur investor. Its so simple—just get in the market when its going up, and then get out just before it starts going down. After all, what could be so hard about that? Well, we all know that kind of strategy is very difficult and doomed to fail! So, what is the secret to figuring out the best way to manage your money. Step one is to ask yourself whether you are an investor looking for systematic long term growth, a speculator, or a SAVER--not interested in losing a penny of your money! On today's show, we will help you get completely clear on the best way to manage your investments. MASTERING MONEY is on the air!!