Rick. A guy I shared a house with when I was a senior in college and he was working (He graduated two years earlier). I worked about 30 hours a week and for about four months, I lent him money for food and his half of utilities while he was looking for a better job. One day, he was opening his mail and looked a little pissed. I asked him what was wrong and he said his mutual funds took a hit. I said, "Hey, I thought you said you were broke?" He said, "I am. I don't count my stocks."