The stock market is steady, yet many Americans still don't feel comfortable investing.
That's according to a new study.
Whether it's directly into the market or through retirement, the study by Bankrate.com shows only 52% are buying stock.
It shows millenials between the ages of 18-29 were more than twice as likely as other age groups not to invest.
The Crouch family said they are just like any middle class family. For them the stock market is not a priority.
"Most people, probably like us, who are lower class or upper middle class, don't have enough extra income to feel comfortable investing in the stock market," Joe Crouch said.
Crouch said right now, it's just too big of a risk.
"It just doesn't seem like any investment in the stock market is worth it at this point," he said.
But not all La Crosse families feel that way.
"I had started investing when I was working as a registered nurse prior to going back to school in a Roth IRA," said Alexander Johnson, who is going back to graduate school to become a nurse anesthetist.
He and his wife put money into mutual funds. He said they want to be prepared for their future but understands why many millenials don't invest.
"Having those initial debts coming out of school so they are limited in the funds they can put towards investing," Johnson said.
"A lot of them came out of school with a lot of student debt and that acts as an anchor. It is very very hard to save when you are trying to pay off that debt," explained Bill Hoel, a financial advisor with Robert W. Baird and Company.
But Hoel said any little bit could go a long way.
A 25-year-old who invests $15,000 will have $57,000 by the time she turns 50.
Wait until 35 and she'll only have about $33,000.
Hoel said it might be worth to to re-think those financial priorities.
"Particularly with younger people, we find it very easy for people to justify by saying well I really need that new pickup truck when in fact, maybe a used car would have been just as good and they could have paid themselves," he said.
"It's just kind of the shift between more people spending rather than saving," Johnson agreed.
But right now the Crouch family said all they can do is hope to invest in the future.
The poll also found only nine percent of non-investors say they have a distrust of stock brokers.
Seven percent says they believe the market is too risky.