Diversification is Good. People that get hurt are folks who invest in one stock, or in one sector. Even if it looks like Acme is gonna jump 30% next year, don't put everything there. Spread it around some.
Also, get some credit cards. You don't have to keep a balance on 'em. But if you need to fly somewhere, rent a car, or have another emergency ("Hey, Sarge... I'll pay you back first of the month, but I REALLY need some bail money right now..."), they come in handy. DO NOT use 'em for "luxury" purchases, unless you _will_ pay it down that month. Credit cards also generally offer a degree of buyer protection - check about what they do regarding extended warranties, etc...
FWIW, my broker does NOT like IRAs... unless you plan to live minimally upon retirement. You're gonna pay taxes now, or you're gonna pay taxes then. You can gamble that you'll pay less taxes then... Right... He says that it's better to have a bit more freedom than the IRA regs will allow you as far as movement of funds. No penalties, etc., if you need the cash for something _truly_ important.