It is in your moments of decision that your destiny is shaped.” — ANTHONY ROBBINS - Tony Robbins

The person who makes no mistakes is making the biggest mistake,” she says, “because they’re just standing still and doing nothing.

Asset management fees, 12b-1 fees/marketing fees, trading costs (brokerage commissions, spread costs, market impact costs), soft-dollar costs, redemption fees, account fees, purchase fees, record-keeping fees, plan administrative fees, and on and on.

Breakthrough depends on your state, the story you tell yourself, and your strategies.