It’s hard not to notice that hope is the foundation of this typical approach. But insiders like Ray Dalio don’t rely on hope. Hope is not a strategy … - Tony Robbins

it’s not our references, but our interpretations of them, the way we organize them — that clearly determine our beliefs.

The beginning of a habit is like an invisible thread, but every time we repeat the act we strengthen the strand, add to it another filament, until it becomes a great cable and binds us irrevocably, thought and act.” — ORISON SWETT MARDEN

If you conscientiously manage your investments for tax efficiency, your 7.5% allows you to double your investments in 9.6 years instead of 24 years! Now do you see the importance of both tax and fee efficiency?