Even though the stock market has been on a steady climb the past couple of years, many investors still fear to put their hard-earned funds into something that has been so volatile.

Some in the retirement industry are concerned we are headed for another big drop before the economy smooths out, like it did in the early '90s.

T. Doug Dale Jr., a client advisor with Security Ballew Wealth Management in Jackson, Miss., believes that more market volatility needs to happen and banks need to start mortgage lending again before the economy will turn around.

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