Whether you are worried about saving more of your money or not, right now, you should be suspicious of anyone who is promising big returns on small investments. Be careful not to get taken for a ride. Look for true value. Forget the quick returns. Take the advice of friends and associates, but be wary of advice from strangers. If you don't know someone, then how can you be sure you can trust them? This skeptical phase is not fun, but it is necessary.