Any time you sincerely want to make a change, the first thing you must do is to raise your standards. - Tony Robbins

All you have to do to change your life forever is commit in your heart and soul to find something to appreciate in every moment.

And finally, please remember these three decisions that you’re making each day, and choose well: 1. Decide what you’re going to focus on. It will determine what you experience in life. 2. Decide what things mean. It will determine what you feel. 3. And decide what you’re going to do. It will determine your results.

The average plan administrator charges 1.3% to 1.5% annually (according to the nonpartisan Government Accountability Office). That’s $1,300 for every $100,000 just to participate in the 401(k). So when you add this 1.3% for the plan administration to the total mutual fund costs of 3.17%, it