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1. The ability to live within one’s means and save significantly trumps saving less and trying (hoping) to earn high returns on it. Better to spend more time and effort on that which you can control than that which you can’t. And for most people, living within one’s means is a behavioral issue rather than an economic issue. 2. Return of capital is more important than return on capital. When various asset classes—stocks, bonds, real estate, so on—become obviously overpriced like they are today (September 2016), unless you’re a short-term trader it’s usually better to be patient for more reasonable prices. Why be out there trying to pick up nickels in front of a steam roller?

So I bought this today....

Hands down, Warren Buffet is one of the most successful investors of all time. And the media loves to interview him because he’s incredibly pithy and quotable. But sometimes the context of Buffet’s pronouncements gets lost in the noise and folks think they ought to copy his investing style.

Hardly a month goes by without a fresh report on some big data breach. It seems like hackers and security specialists play a never-ending game of leap frog in trying to stay ahead. So what's a responsible person to do? With every aspect of our lives so interconnected, we can't just "go off grid."

I've been seeing a lot of questions lately about a so-called retirement plan variously referred to as "702(j)" or "702" or "7702." The Palm Beach Research Group breathlessly promotes it as President Reagan's secret retirement plan...something only the 1% are using. But wait, now you can get in on it too! Whoa! If President Reagan used it, it must be good, right?!