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NEW YORK ( TheStreet) -- It's time to start focusing on what matters, Jim Cramer told viewers of "Mad Money" Monday. Today he explained the differences between where investors are focusing their attention and where the money is actually being made. Cramer said the markets have been buzzing about the looming U.S. economic "fiscal cliff" for months now, but no one had ever asked the most important question: Where will it cost us? He said that question is important because so far it hasn't been asked. The threat of a fiscal cliff was supposed to rein in consumer spending, but apparently 310 million Americans never got that memo because everything from retail to autos has been bullish. Even the banks are beginning to rebound, with foreclosure levels hitting multi-year lows. Then there's the obsession with tech stocks, the place where innovation and excitement are supposed to live. But Cramer said that outside of the iPad, there's been little innovation as of late. He said the most innovative thing he's seen in tech are the cell tower companies converting themselves into REITs. As for disk drives, memory chips and semiconductors, those stocks have cost investors fortunes. Cramer said the real money is being made in the aforementioned retail and consumer names, companies like Home Depot ( HD), Panera Bread ( PNRA) and Walt Disney ( DIS). Meanwhile, the real innovation has been in biotech, with companies like Abbott Labs ( ABT) and Eli Lilly ( LLY). That's why investors need to keep their focus on what's working, because worrying about the fiscal cliff and investing in most of technology would have just cost them much of their portfolios.