All personal breakthroughs begin with a change in beliefs. - Tony Robbins

The quality of your life is a direct reflection of the quality of the questions you are asking yourself

The state that you’re in at any given moment determines your perceptions of reality and thus your decisions and behavior.

That’s obvious, right? And there have been recent studies, including one by Vanguard in 2012, showing that in rolling ten-year periods over the past 80 years in the US, UK, and Australian stock markets, lump-sum investing has outperformed dollar-cost averaging more than two-thirds of the time.