We first make our habits, and then our habits make us.” — JOHN DRYDEN - Tony Robbins

Most people overestimate what they can do in a year and they underestimate what they can do in two or three decades.

Here is the reality: most people couldn’t stomach another 2008 without selling some or all of their investments.

People who succeed have momentum. The more they succeed, the more they want to succeed, and the more they find a way to succeed. Similarly, when someone is failing, the tendency is to get on a downward spiral that can even become a self-fulfilling prophecy.