check where your retirement and savings are invested. buy a low cost index fund (fidelity and vanguard have great ones).
do not invest in any funds that have high fees. (there are plenty of good funds with fees around 0.1%)
I split my savings between:
- total domestic stock index
- total international stock index
- cash/money market/bonds
- a small amount in a sector fund with higher growth potential (e. g. tech) or risky investments
if they'll cheat with you, they'll cheat on you