My husband is freakishly risk averse After 2008 when his 401-k got mauled, he refused to invest in more 401-ks after a lay-off due to down-sizing. No investing. Our money is sitting in cash. We don’t have enough for retirement and what we do have isn’t working for us. I can’t get him to look at or consider investing our money in any way other than maybe CDs. I was researching high …