I moved my two retirement accounts to less risky stocks and bonds

You have no idea, do you? If the economy goes bad, those with cash and great credit can make great money. I did very well from 2009 to 2011 because of the Bush stupidities. I retired, in part, because of it to a super life. You don't manage your money well do you.

At age 12? Wow, you would have been maybe 6-7 years old at the time!

That would be commendable - if it only were true.
 

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