It's a new age. It's a new era. The rules of 10-20 years or more ago are not the rules of today and the future moving forward. If you think your money is "safe" in a CD, mutual fund, or 401K, take a look at prediction #2 of this article by Robert Kiyosaki. Gold and Silver has outperformed the DOW from 2000-2009. The conclusion of this article also sums it up very well. We may not be feeling the inflation fully yet but it's coming. Prepare.
Robert Kiyosaki gets a lot of criticism from the" traditional" financial industry and media but he, as well others like Ron Paul, Peter Schiff, Mike Maloney, and others predicted the events of 2008 back in 1998, 1999, and 2000, so I'm paying attention to them.
This is the information age. Take a look at different sources of information. Get as many sides of the story as you can so that you can make the best decisions for yourself to survive and prosper in this new economic era.