Even if Roubini is correct, if this hellish confluence leads to a train wreck that's far worse than what we saw in 2008, what should citizens, specifically investors, do? Do you build a bunker? Do you buy a gun? Do you sell all of your belongings and put the proceeds behind some drywall? Should investors go to all cash positions? If so, can we keep that money in the bank or will they go down with the FDIC? I think Roubini wants us to worry and get real anxious so we wait for his next Tweet, attend his next speech, watch his next interview or blow whatever savings we have left to send our kids to NYU. The doomsayers would do actual service to society, namely investors, if they made more of a show of practical solutions for the typical household in an uncertain world economy than they do their calls of "Look at me, I'm about to be right!" I learn quite a bit by reading thinkers like Roubini. There's no question that he's sharp and provides information worthy of consideration and reflection. But he does nothing to have an impact on my life one way or the other. And you should not let him have an impact on yours. He's akin to the so-called conservatives on Fox News and the alleged liberals on MSNBC brainwashing the minions into believing that a political party controls your destiny. You control your own destiny, particularly if you're an investor, regardless of what Roubini says or thinks will happen. Investors should never make things more complicated than they need to be. Consider how long you have until you need your money and devise a plan that makes sense leading up to the time you'll start cashing out. The market crashed in 2008. Since 2009, the SPDR S&P 500 Index ETF ( SPY) has returned roughly 45%. If you bought SPY all the way down to $68.92 on March 2, 2009, you're better off for it today. It closed Monday's session at $135.20. The story of the century is not the financial crisis. The greatest period of world-changing technological innovation we have seen for generations deserves headlines. Not the crash of 2008. Not the pessimistic musings of a well-off economist who travels the globe regurgitating the same speech.