Jack is a 40-year-old construction worker. He makes $33,500 per year. He only saves 5% of his salary per year since it is all he feels he can afford. His friend Joe suggests that he invest his money conservatively so that it won't lose as much value if the market takes a nosedive. His other friend Jim thinks investing aggressively with high risk is the way to go since Jack has several years to work to make up for any losses. What do you suggest to Jack