So live in an attitude of positive expectancy, knowing that everything that happens in your life benefits you in some way. - Tony Robbins

The first is asset allocation: What assets are you going to hold in your portfolio? And in which proportions are you going to hold them? The second is market timing. Are you going to try to bet on whether one asset class is going to perform better in the short run relative to the other asset classes you hold?

The real payoff of asset allocation comes when you figure out the right mix of how much of your money you keep safe and how much you’re willing to risk to get greater rewards and have the potential to grow faster.

I realized that we all need a word to anchor ourselves to the focus of Constant and Never-ending Improvement. When we create a word, we encode meaning and create a way of thinking. The words that we use consistently make up the fabric of how we think and even affect our decision making. As a result of this understanding, I created a simple mnemonic: CANI!™ (pronounced kuhn-EYE), which stands for Constant And Never-ending Improvement.