Get Your Money Invested
For the average person, investing isn't about picking the hottest stock. Investing is about understanding yourself and your money goals and matching those goals with one of the investment types that exist in the world. (Can't make something exist that doesn't.) It's not sexy stuff, but these are the core principles that successful investors know in their bones.
Right now you might be thinking, "OK great, lady, but now what? How the heck do I invest my 80 percent stocks and my 20 percent bonds?" Not to fret, this part is easy! Just use index funds, which are funds that invest in the "whole" stock market or a representative sample of it and for close to free to fulfill stock and bond quotas.
Index funds come in both stock and bond flavors and should be offered by your 401(k) plan or at whatever brokerage bank you keep your IRA or Roth IRA.
Alternatively, use a Retirement Target-Date fund. Here, you choose the fund that corresponds to your retirement year (e.g. 2050 or 2060), and it does this work for you. As you inch closer to your retirement "target date," the fund proactively shifts into more bonds. Unfortunately, not all Target-Date funds are created equal. As far as I've seen, Vanguard makes the best — they are low cost and invest only in index funds (as opposed to costly managed funds).
Hopefully, this discussion of goals provides you with some inspiration as much as anything. It's easy to get caught up in the bullsh*t, but don't. Especially with retirement money, get your tushy in there! You're taking a risk by doing nothing at all.
*If you define risk as the possibility of losing any money, then cash is not technically risk free either. As prices rise over time, due to a phenomenon called inflation, the value of your cash diminishes.