Did you know that a half-gallon milk container holds about $50.00 in pennies? While all investment counselors realize that we must accumulate money in order to save, most recommend different kinds of investments for people who are in different stages of life. Older investors, those with limited funds to invest, or people with greater financial and family commitments, should take fewer risks. Younger, wealthier, and unmarried investors can afford to venture into the unknown. Which of the following best describes the main idea of this passage?