When it comes to retirement, Jim Cramer always says the best way to make money grow is to do so slowly and with prudence, but too much caution is a bad thing.
Conventional wisdom teaches that investors need to lessen as much risk as possible when investing retirement money.
Cramer disagreed and said a little risk in stocks with higher returns will ensure a wealthy retirement.
"When you, either in your 401(k) or your IRA or just your discretionary investing account, put money into things like Treasury bonds or stable value funds, you're effectively taking that money off the table. You're saying, this money — I'm not going to use it to generate more wealth, I just want to keep it safe," the "Mad Money" host said.