Has it changed your approach to your current or future investments or 401K accounts?

Discussion Questions: Since 2000, the US has had two major recessions, and both the stock and bond markets have experienced big drops in value.  This has made investing a volatile experience.  Interest rates are currently at 50-year lows, so returns on short-term CDs or savings accounts are almost zero.  

1. Has all this turmoil affected your outlook on investing? 
2. Are you more cautious? 
3. Has it changed your approach to your current or future investments or 401K accounts?