Congratulations Valerie Schwin, when you work hard and smart, it's only a matter of time before you accomplish everything you've ever dreamed of. Successful people always take advantage of any opportunity set in front of them!!! INVESTMENT is like a seed planted that germinates, grows and produces a lot of fruits. If you do not plant, there is no way you can harvest. If you do not plant you will spend the money you have buying fruits from those who planted. Start your investment now so you won't have to regret in the future. INVEST TODAY!!!