“I don’t know. It’s kind of hard to pin down. Maybe it’s a gut instinct thing. I feel like if I open up my pocket, somebody’s going to take advantage of me.”
Terry O., 61
Jacksonville, Fla.

I’m retired from the financial world and don’t need somebody else to tell me what I already know. I don’t mean to come across harsh … I don’t mean it that way. But I do feel like with nearly 50 years in the business, I know what I want to do with my money.
Nelson A., 66
Atlanta, Ga.

It’s the money. I’m on a fixed income and can’t see it being possible to take some of that money out. I barely make ends meet with what I have.
Marge V., 64
Oakland, Calif.

I lost about 30 percent of my savings last fall. I was happy to leave my money in the bank, but I listened to a financial guy who had me put my money in the market. That’s the last person I’ll be listening to in the future.
Al D., 67
Tustin, Calif.