Jean Chatzky
Whether you are well on your way to investing your money, or just toying with the notion, there is advice that will help you get started. Jean talks with Jim Cramer, host of CNBC's Mad Money and author of Stay Mad for Life: Get Rich, Stay Rich (Make Your Kids Even Richer), about how to invest your money in the current market.

"This is the bottom line for people who want to invest and know they have to invest but are a little bit frightened," says Jim. He says that although the market is not great right now, if you are going to invest your money, you should be as diversified as possible. "I don't want people to get excited about a market where there is just so little good happening right now." Jim says that having a little exposure to the market right now is the best idea because of the current state that the market is in.

Jim also says that would-be investors should consider a long-term outlook. "Short term investing is going to be very frustrating," Jim says. "Which is why I tell people if you have a 10- or 20-year perspective, don't even fret this— just try to capture the long term value of equities because it's too hard out there right now."
The information provided here is general advice and you should always consult your own financial adviser before making major financial decisions, including investments or changes to your portfolio. The opinions expressed by the hosts, guests and callers to Oprah Radio are strictly their own.


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