Though you may not be the best financial wizard in town, you must also trust your own instinct when it comes to taking up investment plans.
Just because it sounds good when someone is hard selling something, is no reason to invest in it.
Take a look for yourself. Ask others for their opinion and always trust your gut before making an investment decision.
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.