MARRIED TO THE MARKET

WHAT CRASH? A DECADE LATER, AVERAGE JOES AND JANES HAVE MORE MONEY, AND FAITH, IN THE MARKET THAN EVER BEFORE

Worried about retirement? Don't be. Little Biff and Betsy are just a few years from college? No sweat. Vacation house? Go ahead. Heck, chuck all your financial concerns, including those about social time bombs like a deficit-ridden federal budget and the financial squeeze on Social Security. Omnipresent and omnipotent, the stock-market god will take care of all.

You just need to keep the faith with your fellow believers: the stock-obsessed masses in mutual funds and investment clubs, trading online and standing in line a dozen deep at the corner Fidelity or Schwab office. Only 10 years since the most devastating one-day...