I got lucky and was busy paying off student loans, my car, and my credit cards while the market was crashing, so I didn't lose anything. Now I get to start even. It is a GREAT time to invest, especially if you are willing to take a risk.

Traditionally, a stock that has a good chance of giving you a home run result, also has a big risk of crashing. However, now there are a lot of stocks that have crashed to historic lows that can give you that home run result with a much higher chance of success, since they are already big international companies.

The risky stocks that I am heavily invested in are:

C - citigroup. Lots of analysts think this stock will double or triple when the economy eventually recovers

DRYS - a shipping company that got killed by the worldwide recession. They are still a huge business and ready to come back when the economy recovers. They are riskier investment than Citigroup though IMO but with a possibility of 5x or more if they recover.

Remember the two golden rules:
1) DONT be scared of the weekly/daily dips in the market. If you run away, you will miss out on the big gains
2) DONT invest money that you can't lose. In other words, assume all your investments will crash to $0 and make sure you can still pay your rent!!