#2: Don't Take Too Many Risks in an Attempt to "Catch Up"

Once you know what you're working with, take a good look at where your money is invested today.

We know you're concerned (as well you should be) about both staying safe and trying to rebuild your savings. It's only natural to feel the pressure to "get busy" right away to make up for this past year's shortfalls.

But now is NOT the time to be too aggressive. Just stay calm and realize that catching up will take time. And, of course, focus on safety — keep reading and we'll look at a few solid, yet low-risk investments you can get into now.

(And for a few other ideas on where to turn, see 6 Smart "Bailout" Moves to Make Now)

Next: #3: Put Safety First