Let’s just kind of go at it chronologically. If you are a younger individual, say a 20 something, 30 something, this really highlights a lot of the mistakes, investing mistakes are probably the biggest investing mistakes that the 20 something, 30 something set make, and in fact, I made one of those to myself the first being not investing enough toward retirement, not having a very good retirement investing program in place. The advice on that is if your employer offers the 401k, 403b, whatever, participate, maximize the employer match, try to do what you can into your IRA, so there’s that one. But then another thing that I fell victim to early on was being way too conservative in my choice of long-term investments toward retirement. Really, if you’re a 20 something, unless you really have something going on, some kind of shorter time horizon, a real strong reason for that, or again, if you somehow are just really unfamiliar with investing, investing products, perhaps as a result you have extreme intolerance for risk, you really don’t have a lot of business being heavy into fixed income, bond, bank accounts, CDs, things like that. You really should be looking to do something that will give you a shot, giving a little bit more risk of staying ahead of inflation rates. For younger folks, those are really my two bigger things.