On Guarantees:
“We make all decisions based upon assumptions. Assumptions create expectations. Expectations may create guarantees in your mind. But, in reality, there are no guarantees. The more you resist this fact the more susceptible you are to disappointment and failure.”
On 101 Stock Market Guarantees:
“We live in a country of financially-illiterate people. Many presume that the stock market will always come back, always reach new highs and always create new generations of wealth. In actuality, it may not.”
On Asset Allocation:
“How soon you retire, your expected rate of return, how much risk you take, how much money you take out, and how long your money will last, are greatly affected by your asset allocation decision.”
On Bullet-Proofing Your Employment & Career:
“Graduating with a college degree was never enough. Unless a person is committed to continual self-improvement, they are a depreciating asset. You’ve got to constantly upgrade your skill-set or you’ll be out of a job.”
On Emotions & Investing:
“You need someone or something to act as a buffer between your emotions and investment behavior.”
On Market Timing & Picking Hot Stocks:
“Unfortunately many people still believe that trying to time the market and picking the next hot investment are keys to success in reaching their financial goals. The financial media, and some investment companies, still perpetuate this myth. They are dead-wrong.” 
