All You Need

“Our greatest enemies, the ones we must fight most often, are within.” – Thomas Paine And the enemy’s greatest ally are the lies we tell ourselves. When we keep our promises, to ourselves, the internal battle fades to nothing.

“No man can tell whether he is rich or poor by turning to his ledger. It is the heart that makes a man rich. He is rich according to what he is, not according to what he has.” – Henry Ward Beecher One the things I hear a lot as a coach (and student of…

[Going through some folders on my computer today I found some blog posts that I had written (for a blog that didn’t exist . . . ) in 2006, and they’re actually not too bad; this one is from June:] Goals are a bit of a paradox, albeit an easily managed one. Clearly knowing what…

What keeps so many employees back is simply unwillingness to pay the price, to make the exertion, the effort to sacrifice their ease and comfort. – Orison Swett Marden You’re not lazy. You’re not scared (not really… ). You’e not a bad person in any way (not really… ) So what stops you from paying…

“People die of fright and live of confidence.” – Thoreau I think Thoreau, among other things, was speaking of courage here. Confidence is what results when courage (being afraid, but taking a reasonable risk anyway) is combined with purpose (the energy that comes from knowing what we want and why we want it). Is courage…

I – BACKGROUND   I will try to keep this brief, but it’s important to lay the foundation. My retirement investing journey began in 1998, with a target-date-fund I believe. As time went on, as is my tendency, I wanted to learn more about investing and optimize. I found (somebody’s) book and low-fee/buy-and-hold/broadly-diversify became my…