Money can’t change who we are. - Tony Robbins

Are there any exceptions to the rule? Only two that experts tell me are worth considering in so far as one needs the tax efficiency. Vanguard and TIAA-CREF both offer extremely low-cost variable annuities with a list of low-cost index funds to choose from. They do not charge commissions, so there are no surrender charges if you want to cash in.

success is simple. First, you decide what you want specifically; and second, you decide you’re willing to pay the price to make it happen — and then pay that price.

Often it’s frustration, anger, or stress that triggers a breakthrough. We hit our threshold: a point where we say, “Never again and no more.