NEW YORK ( TheStreet) --I wish more people would do what TheStreet founder Jim Cramer did the other night on his "Mad Money" television program: Cut Ben Bernanke and the Federal Reserve some slack.As Cramer said, Bernanke can only do so much. Cramer appreciates the Fed's "measured approach" and I appreciate Cramer's calm approach to the market while others wax hysterical. "As long as I can remember, the rain been coming down. Clouds of mystery pouring confusion on the ground," as Creedence Clearwater Revival sang. The sky was falling, big time, in 1975 when I was born. And it's been falling, almost non-stop, ever since. I can hardly count the number of times Bruce Springsteen has covered Credence over the years as a sign of protest, anger and frustration. It never ends. If you have been following the stock market for any length of time, you should recognize this. To generate market-beating or, at the very least, consistent returns and, more important, stay sane during volatile times, you need a plan in place that puts you on the offensive. At the top the list for me is to maximize income.