It is good to come to GFY for financial advice, surely better than your local accountant or financial planner.
But the correct answer is diversify. Stocks are always a big part of any financial plan, and over a 40 year period have always yielded nice rewards.
For many moderate income people a home ends up being a nice nest egg.
I've been saving the maximum in a 401K for around 13 years or so and that mother fucker is huge now, its a nice feeling.