What You Become

Progress is impossible without change, and those who cannot change their minds cannot change anything. – George Bernard Shaw What you believe is so important to what you can, and actually will, do. And what you actually do (truly) creates your life. *  *  * I find it curious that people seem to think that…

“Stress is nothing more than a socially acceptable form of mental illness” – Richard Carlson This is one of those quotes that I could on and on about, or let it speak for itself.

Let me not pray to be sheltered from dangers, but to be fearless in facing them. Let me not beg for the stilling of my pain, but for the heart to conquer it. – Rabindranath Tagore Change is constant and inevitable. Difficulties only end when we do (i.e. we die). There will be joy, and pain….

“A lot of people quit looking for work as soon as they find a job.” – Zig Ziglar So many people wonder why they don’t advance as quickly as they’d like (or advance at all… ). A likely explanation is they aren’t working very hard, or they are working at the wrong things. Working effectively,…

“All you need is the plan, the road map, and the courage to press on to your destination.” – Earl Nightingale Earl Nightingale is one the greats in personal development; if you haven’t listened to one of his audio programs, do so.

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…