I'm assuming many of users on this forum are still young. What are you going to do for your future? Do you know what you want to be? How are you going to take steps to do it? I am currently composing a 14 song album I'm hoping to get produced and released by the end of 2014, on top of writing down ideas for patents I may one day physically enact upon. Once the market hits another crash, I'm going to open up a portfolio and invest in stocks.