limited? steve: sometimes. >> sometimes. ainsley: i don't drive. >> you don't drive at all. driving the speed limit. what that means is you have a low risk tolerance. you don't want a ticket. steve: sure. >> people invest in same strategy. go conservative or overly aggressive. steve: absolutely. here is the problem with the fact that the market has gone up, up and away. that is people if they haven't invested their money in it, they are going, look, it's going up, i hate to miss this. investing at the top is always kind of a bad strategy, isn't it? >> at its highest. what i always encourage people to do is talk continue to vestment professional. really kind of walk this through and look long-term what's your strategy and what are you going to do? ainsley: all right. let's go through. so viewer emails. jennifer in oregon says my husband and i would like to retire in the next 10 years. with the growth in the market, at what point do we move retirement savings into more conservative funds to protect our money. >> of the protection question: everyone wants to protect their money. that's very good. you work very hard for it the
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