By HERMAN CAIN - Only love can prevail.

The Governor of Connecticut summed up the tragedy that hit the small town of Newtown, Connecticut in four words. Evil visited this town. The tragedy was not just violence. It was evil because a young man shot his mother in the face and killed her. He killed 20 innocent young children, and six innocent adults. And then he killed himself. Some of us saw what evil looks like for the first time. Yet others have seen evil before.

Immediately, some media personalities and political activists started calling for more gun laws, more money to be spent on mental health treatment, better security systems and procedures at schools, and more censorship of violent entertainment in our culture.

As my CainTV colleague Dan Calabrese so eloquently and convincingly pointed out on Saturday, there is nothing we can do to prevent evil. We can minimize violence, but evil can only be minimized with the recognition and love of God in one's heart. This is not a sermon. It's just a fact that 90 percent of us believe, in one religious form or another. 

I'm reminded of a recent incident reported in Florida where an atheist filed a lawsuit against a church for its religious displays. The man got seriously ill and the church reached out to him to help save his life. He survived because of their help. Afterwards, the atheist started attending that church and learned of their Christian faith, and saw that the love of God eminating from them and others was sincere. He had been a recipient of their love. He later joined their church congregation.

That's the power of love over evil.

Freedom of religion is a tenant of the founding of our nation. It does not promote a specific form of worship or religion. But that freedom does allow for the belief and love of a POWER greater than man. That same POWER has a love for us greater than man could ever imagine. HIS love is the only weapon against evil.

We can only pray for the families of the victims of this evil tragedy in Newtown, that God will somehow comfort them in their sorrow, their grieving and their healing. Although the rest of the nation was indirectly affected by this evil incident, it was still a direct blow to the compassion in our hearts, as we try to comprehend why it happened and only imagine the pain of those who lost loved ones and children.

Healing will take a long time especially for the families. We must keep them in our prayers, but we must never abandon our belief in the eternal power of love over evil.

We can fight violence, but we never know when evil will visit us again. The more love we can spread to the hearts and minds of the savable, the longer it will be.

The crash could start as early as the New Year - all because of a short-sighted law passed 38 years ago called ERISA.

And the scary part is, it doesn't matter if Congress compromises now or not. It's likely too late to stop it.

Here's what you need to know...

ERISA is a bill passed in 1974 that brought us IRAs and 401(k)s. And since then millions of workers have been stuffing money into these retirement accounts.

That's nearly 40 years of savings and wealth inside IRAs and 401(k)s. And almost half (48%) of that wealth is invested in the stock market.

Here's where it gets dangerous...

ERISA threatens retirees with losing 50% of their retirement account if they don't exit the stock market by age 70.

Once a retiree turns 70 and 1/2 years-old, starting the next April 1st they must start withdrawing at least the required minimum each year... or else pay a large penalty.

So what happens if a large demographic starts turning 70 all at the same time... like the baby boomers will in 2016?

They will leave and the stock market will tank. The sudden drop will cause more investors to leave the stock market, and the full-blown crash will be upon us.

Many baby-boomers, having passed age 65, are already retiring and taking their money out of stocks.

That's why many of the Ultra-Rich avoid the stock market altogether.

This free presentation reveals how they're investing instead. Including the one investment the top 1% are betting on right now.

In fact, just recently Dallas Mavericks owner, Mark Cuban, referred to the stock market as a "platform for hackers" and a "recipe for disaster." That's another member of the Ultra-Rich jaded by the stock market.

To discover how the Ultra-Rich are choosing to invest instead - including strategies many in the middle class have never heard of - you need to watch this free presentation now.

Click Here to Watch Revealing Video

P.S. The MAJORITY of stock market trades are now made automatically by computers. The decisions are triggered by algorithms designed by companies like Goldman Sachs and "hackers" like Mark Cuban described.

That makes trading stocks like entering a lion's cage. Make sure to watch this free presentation to see what the Ultra-Rich are doing instead.

P.P.S. Did you know you don't have to invest your IRA and 401(k) in the stock market? There are ways to free the money inside and invest in safer investments like gold, income-producing real estate and more.

Watch this presentation now to see how informed investors do it differently than the rest.