The young and the riskless

Since the crash the once-enthusiastic investor has gone from trading several times a month to shunning the market.

"I've learned when you invest in stocks, you have no control over the outcome," says Chesnutt, a nurse, who now keeps most of her money in two savings accounts, yielding 1.75% and 0.35%.

Instead of stocks, she's decided to try to make money by investing in her own sideline business, an embroidered-napkin company called Literary Linens that she runs with her sister.

She says, "I want to be in control of my financial destiny."

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