Remember, volatility can be your friend with dollar-cost averaging, and it can also allow for another technique that will keep you on track, “rebalan… - Tony Robbins

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

Some people begin to feel that things are pointless, that they’re helpless or worthless, or that no matter what they try they’ll lose anyway. These are a set of beliefs that must never be indulged in if we ever expect to succeed and achieve in our lives. These beliefs strip us of our personal power and destroy our ability to act. In psychology, there is a name for this destructive mindset: learned helplessness. When people experience enough failure at something — and you’d be surprised how few times this is for some people — they perceive their efforts as futile and develop the terminal discouragement of learned helplessness.

The three decisions that control your destiny are:
1. your decisions about what to focus on
2. your decisions about what things meant to you
3. your decisions about what to do to create the results you desire.