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According to the financial pundits, the stock market always comes back. The only problem is that it is not always the stocks that many of us Americans own. There is a huge divergence between Main Street and Wall Street, and most middle class Americans realize that this next generation will be the first generation that will not have it better than their parents. The middle class in America has its roots directly or indirectly in manufacturing and, as we all know, manufacturing in the United States is on the wane. This book helps one to understand the background of investing and how to avoid financial disaster. The original purpose of this book was only to vanity publish this book for family members. After calling a market top of Dow 14,000, one month before it happened, the author, at the urging of his family, decided to compose this journal only for his grandchildren. When the author urged his family and several close friends to sell stock two months before the market meltdown in 2008, he was convinced to publish this journal. I convey all of my successes, failures, and observations to help you succeed as a depression investor and avoid the pitfalls of investing. I offer you a conservative pattern for investing that has worked for me for over 25 years.