A recent survey indicated an inordinate number of millennials prefer “safe” investments. Many have speculated as to why this is so (see “Time for Naïve 401k Millennials Opting for “Safe” Investments to Stop Hurting Themselves,” FiduciaryNews.com, July 14, 2015). I think I’ve figured out the real reason…

Shortly after graduating from college, and shortly before they closed it down forever, my best friend Angelo and I decided to visit our old elementary school. We spent the first three years of our public education within the walls of the former one-room school house called Big Tree Elementary. My father went there when he was a kid. I’m not sure that particular legacy accrued to my tenure, and I didn’t think it would matter since it had been more than a decade since I last entered those concrete block corridors.

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