The stock market works because we humans – and particularly, we Americans, with our market-based capitalistic economy – push for newer, better, and faster ways to do things.

The two biggest building blocks for any investment portfolio tend to be stocks and bonds. Both are vital. And I want to convince you that both should be in your portfolio.

Timing is everything when it comes to stocks, but the odds are heavily stacked against anyone who tries timing the stock market.

The great news is that even just starting off with a small amount at a young age will make a big difference over time.