As he pondered the significance of the Dow hitting 13,000, he asked whether the milestone matters. "You bet it does," he replied.Cramer said the Dow Jones Industrial Average isn't a closely watched indicator for professional investors, who tend to focus on the S&P 500, but for smaller investors, retail investors, Dow 13,000 could be significant. That's because up until now, the market rally has occurred with fairly few participants. But breaking 13,000 could be just want the little guys need to jump back in. Cramer said that its true that stocks have been lost for more than a decade, and that volatility has been a major factor in keeping individuals out of the game. But on a longer time frame, stocks are still the best game in town when compared to bonds, U.S. treasuries and bank CDs, he noted, and with so many people indirectly invested in stocks via 401Ks, pensions and college savings accounts, all the markets need is a little boost in confidence. Cramer remained bullish on high-yielding dividend stocks, names like Cedar Fair (FUN) and American Electric Power (AEP), especially given that dividends receive special tax treatments. He said that stocks might not be perfect, but they're definitely a lot better than they were.