Spend money to improve your life, not to make it look better to others. Too often in a world dominated by social media, visibility is mistaken for security. Rich-looking lives are often financially brittle. A month ago, a good-looking young guy popped into my Twitter feed. There was a video of him sitting on Santa’s…

Default to accountability. Self-awareness is the golden ticket to controlling your destiny. This tenet holds for both NFL management and retirement investors. The NY Giants just completed another godawful season, going 4-13. Amazingly, this was an improvement over the previous year’s 3-14 debacle. A combined two-year record of 7-27 led to wholesale fumigation of the…

Winter is here, and you should be happy. Getting the most from summer means surviving frost. It’s easy to take for granted 80-degree days if you dont suffer through some bone-chilling ones. The same principles apply to gardening, which is a metaphor for investing and life. This year, I decided to explore winter-sowing. When you…