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Don't put all of your eggs in one basket. Financial advisors, investment bankers and economists will all tell you that the more diverse a portfolio, the safer it is. A person heavily involved in just one type of investment is more vulnerable to financial problems if the markets associated with that investment have problem.

The most common diversification suggestion is to divide a portfolio among stocks (which can offer big pay-offs but can also be high risk) and bonds Treasury that offer little to no risk, but pay out less than stocks). 

Depending on who you talk to, you'll hear different percentages for splitting your portfolio between stocks and bonds. One good rule of thumb is to keep your bond percentage close to your age adjusting as life goes on; so if you're 30, about 30 percent of your portfolio should be in bonds. By the time you retire, 60 to 70 percent of your portfolio should be in bonds.

Don't stop with just stocks and bonds when diversifying your portfolio. Look for other ways to spread risk among your investments. Investing in largely unrelated sectors, like Gold, Pharmaceuticals and Telecommunications, is a good idea. 

You should also consider investing in economies throughout the world, rather than companies in just a handful of countries or a single region.

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The Economy. 

The economy is bad, worldwide. Even if you do have a job, usually it doesn't pay you enough for you and your family to live on. So you have to go get another job, is this the type of life you want?

Do you want to improve your financial situation? Are you working in a dead-end job? Do you want more for you and your family? Would you like to work for yourself? 

Do you want to fulfill your dreams? Can you find 15 to 20 hours a week to make good money? Learn to believe in yourself. Achieve your goals. Stop letting others control your life. Live without regrets. Live more abundantly.

There is one thing that you have to realize, when you work for someone else, they control you and your life, plus the life of your family. They are the ones making the money, not you. 

So why not start changing that. Start building yourself a backup plan. Then when you're to the point where you don't need them anymore, you can say goodbye forever and live for yourself.

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