Jim Cramer told fans of his “Mad Money” TV show Monday night that if they need cash in the next five years, a Federal Deposit Insurance Corp. (FDIC) insured savings account is the only way to guarantee your money will be safe. Cramer says that investors would be foolish to keep all of their money in stocks in such a volatile market. Keeping that in mind, Cramer outlined his plan for what the government should do next. He said first, the FDIC needs to stop seizing banks. Next, Cramer said the government needs to start putting  the $700 billion to work. He say they should buy home loans, which should help to end the onslaught of forecloses and then begin taking the toxic assets off the balance sheets of the banks. Finally, Cramer said the government should buy the credit default obligations (CDO’s) and hold them until their values increase. Cramer says if the government follows this plan it could avoid the Great Depression. Get the scoop on tomorrow’s hottest trade ideas – TODAY! BeaconEquity.com PREMIER PICKS have an amazing track record. Join this select group and ride the profit wave!