Just as your needs change each year, the focus of your investments may also need to change each year.
If you are investing in mutual funds, stocks, or commodities, take time out once a year to see if they are the best performing ones in the field.
If they are doing well, leave them alone. If you feel that others are offering better opportunities go ahead and make the change.
By simply being aware of what is going on in the market you will be a wiser investor.
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.