I am thinking of picking up about 2000-3000 shares in FAS. At these levels near $3.75, my downside risk is not really something I need to be worried about with such low amounts of capital being committed. Long term, (5-10 years) when the financials do eventually come back (think previous 52 week high at some point) I will have done well for myself banking nearly $100K. If you are in your 20s like me and have some IRA money to throw around, what is there to not like about this scenario? What is there to lose? This would represent about 25% IRA money, rest is sitting in cash. Thoughts?