Is Wall Street’s Rollercoaster Making You Investment-Queasy?


When regular Americans play the investment game with the markets on Wall Street, we know we’re at some level of risk, says author Stephen Gardner. The stock market is a zero sum game, meaning someone has to lose for others to win.

Even when we make what seem to be relatively safe investments, the crashes of 2001 and 2008 taught us that we’re not bulletproof. You can also say that 2008 taught Wall Street’s banks and brokers a lesson – they’re “too big to fail,” so they’ll get immediate government assistance. Now in 2015, they’re even bigger.

“By that logic, the little guy is ‘too small to care about,’ which, if you believe in right and wrong, or justice, is a travesty,” says Gardner, owner and founder of the Safe Millionaire Club at – a safer investment opportunity he created after losing 38 percent of his retirement money on Wall Street.

“Rather than have your retirement money vulnerable to the whims of the market, I highly recommend Americans educate themselves on alternatives for growing money.”

Gardner, author of “A Bridge Over Troubled Wall Street,” describes an option independent of the Wall Street rollercoaster.

• Consider building retirement with real assets and real people. Seven years ago, the market meltdown took with it 30 to 50 percent of Americans wealth. The markets returned after 5 years and are now yo-yoing, but if it were to go bust yet again, we know the average investor will suffer, whereas banks and stockbrokers will be just fine. Wall Street is not the only answer. There are viable alternatives that include tangible assets – such as commercial properties – and real people with whom you can develop a trustworthy relationship. Education and taking responsibility for your money is key.

“I call it the Bridge Plan,” he says. “Alternative strategies not espoused by Wall Street that can easily be understood and implemented by the average person.”

• For people in the know, alternative investments remain strong. The most recent meltdown had folks searching for investment alternatives. While market fears continue, people who’ve actually gotten involved in options like Bridge Plans remain highly satisfied. Bridge Plans allow clients to participate in the wealth building power of real estate without all of the risk or hands on time required to be successful.

“With a Bridge Plan, investors collectively pool their money together with other lenders to help fund a short term bridge loan on an income producing property,” Gardner says. “This is a reliable way to earn 5 to 7 percent within a year.”

• Your money should provide greater peace of mind, not stress. Loans like Bridge Plans give peace of mind because there is a physical building acting as collateral. This isn’t a paper asset or a floating idea. This is a real asset.

“One of the main reasons for the dot-com bubble bursting was that it wasn’t real,” Gardner says. “It was the internet and websites. It was digital ones and zeroes hubbed on a server. The same can be said of Wall Street today. It’s mostly smoke and mirrors. The stock market is rigged and is now being run by super computers. This isn’t conspiracy theory. Very little trading happens with humans anymore. Now, there are high frequency trading computers that can trade stocks in mere nano-seconds.”

About Stephen Gardner

Stephen Gardner committed to becoming a safe money specialist after losing 38 percent of his retirement money to Wall Street. As owner and founder of the Safe Millionaire Club at, he is on a mission to strengthen America one family at a time. Gardner is the bestselling author of “Billion Dollar Blueprint” and “Smartest Doctor in the Room.” His latest, “A Bridge Over Troubled Wall Street,” offers a blueprint for investment education and contractual returns, without Wall Street’s rollercoaster-like ups and downs. Gardner earned his Bachelor of Business Administration degree from the David Eccles School Of Business at the University of Utah.

Misty Boggs
Misty Boggs is the Creative Director at MSGPR. She lives in Angelina County and recently earned her bachelor's degree in Public Relations and a minor in Creative Writing at Stephen F. Austin State University in 2020. She is currently working on obtaining her MBA from Lamar University. Between studying and working, she enjoys teaching her niece and nephew the fine art of never growing old.

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