Are you panicked to the point of irrationality about the unpredictable ups and downs of the Dow Jones Industrial Average? Are you as far as one could possibly get from a "Wall Street insider," yet still overconfident in your ability to beat the market? Are you unable to control your urge to do something, even something stupid, when you begin to feel the slightest bit of discomfort? If so, you may be qualified to join America's hottest horribly ill-advised financial trend: day trading with your retirement money.