For April is FInancial Literacy Month, ask yourself this question, courtesy Sallie Krawcheck of about to be re-named 85 Broads:

A friend brought up the idea that we all need to ask ourselves: am I a stock or I am a bond? Am I in a profession that’s higher risk, where I could lose my job? If that’s the case then I’d better be very conservative in how I think about my savings and my investments. Or I am I bond? Where I’m confident I’m in a job I’m not going to lose. I’m not going to hit the home run but I’m probably not going to lose my job. In which case with my investments I can take on a little more risk as I think about saving for retirement. I don’t know that anybody’s asking that question but it’s worth thinking about: are you a stock or a bond?