The ups and downs of the markets are good for you in the long run because it gives you the chance to dollar cost average and rebalance.

College costs keep rising and it seems there is no end in sight. What is the best way to save for college?

Paying off debt is a guaranteed return. You can't get anything near that by investing your money.

Investing and speculating are two very different things. One will increase your money health and the other will get you in trouble.