The next step in getting your financial house in order is to set a plan for your investments. This plan must start with an understanding of your risk tolerance - how much volatility you will accept before throwing in the towel and abandoning the plan. Many wish for never losing value and gains that will keep up with the Standard & Poor's 500 index of stock prices. Keep wishing and blow out all your birthday candles, because this is a wish that is unlikely to come true each and every year.
