A childless couple in their mid$-40$s wants you to help them start an investment program. They have just received a $$50,000$ inheritance from the wifes parents. They say that they will not need the money until retirement. They each make a respectable salary and already own their own home. They currently have no savings and although each has a $401($k$)$ program at their work, neither has taken advantage of it$.$ The husband once lost all $$15,000$ of an inheritance playing the commodities futures market. The idea of investing makes them very, very nervous.