Doris Day: You can get a significantly higher return investing in your own ability to make money than you will in any market. She says people are like getting obsessed about these micro changes when the big scheme changes. "You could take that $200,000 and buy a rental property that makes you $4,000 a month," she says of paying down student loans for her education. 'I'm just paying down time,' Doris tells CNN's iReport.

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