Money is a good servant but a bad master. — SIR FRANCIS BACON - Tony Robbins

and are willing to put in the effort. Martine decided to become an expert in pulmonary hypertension.

Not only will the vast majority (96%) of actively managed mutual funds not beat the market, they are going to charge us an arm and leg, and extract up to two-thirds of our potential nest egg in fees. But here is the kicker: they are going to have the nerve to look you in the eye and tell you that they truly have your best interests at heart while simultaneously lobbying Congress to make sure that is never the case.

The financial crisis caused tremendous pain, but it also made us reevaluate what’s most important in our lives — things that have nothing to do with money. It was a time to get back to basics, to the values that have sustained us through troubled times before. For me, it made me remember the days when I was sleeping in my car homeless and searching for a way to change my life. How did I do it? Books!