Reality returns to Wall Street; last warning, if you're still in market you're headed for big losses

Big losses returned to Wall Street last week, and that represents the reality of investing in the financial markets for 2009.

So here's the bottom line: if you still have money in the market, you are going to lose another 20 percent of your money -- at least.

If you're keeping your money in the market so you don't have to realize losses on paper, then you're simply a fool. And you're following the advice of people who are making money off you by keeoing you in the market.

P.T. Barnum of circus fame said there was sucker born every day. If you keep your money in the market now and don't shift that money into cash(money market funds, CDs), then you're proving Barnum right once again.

Greed kills.