Millennials hold 52% of their wealth in cash. Why? The so called reasons mentioned last week may in fact not be the reasons. Also, discover the surprising risk of avoiding investment decisions. And, finally, your host reveals why markets crashed in 2002 and 2008. Why not everyone suffered those losses. And, the one thing you need to do to avoid them in the future. Check episode 85 of the 401k Owners Manual now downloaded over 25,000 times.