[lrjohnson]

I am female and financially risk adverse. I am uneducated about investing; I've got the frugal/no debt/living below my means down, but I've then created savings that aren't doing enough. I can be intimidated by things I don't know about-I love understanding things and learning, it's not that, but somethings do make me nervous. I don't think that's necessarily related to being a woman: for a long time I was intimidated by baking, and canning.

I need to make the next step, and Manage my Mini-wealth, and learn about bonds and stocks and mututal funds and other investment vehicles. When I do that, I think I may be willing to do some riskier stuff because I'm at the very least 20 years from retirement.

Something in my head says I would regret a loss of money in a risky investment more than I would regret not having the return "I might have had."