5 families, 5 financial fixes

All survived the stock market's trial by fire, yet fears of getting burned again linger. By taking a few smart steps, they can reach their goals with ease.

2 of 5
Different risk tolerance
Different risk tolerance
Kevin and Amy Toy, with their daughters, Jocelyn and Ava.
During the 2008 market melt-down, Kevin and Amy Toy were a study in contrasts.

Kevin, who had invested nearly all of their retirement money in stocks, stayed calm. Not so relaxed was Amy, a former educator who was home full-time with their daughters.

Two years later, Kevin's steadfastness has paid off -- their portfolio is nearly back to even. But the fear divide remains.

What should they do to make them both happy and prosperous?

NEXT: Scared to look at the portfolio
Last updated January 02 2011: 8:47 PM ET
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