hindsight is not a strategy.

You get the most out of what you need the least.

Never try to time the bond market. Anyone who claims to know the future of interest rates is certifiable.

The best real-estate investments with the highest yields are in working-class neighborhoods, because fancy properties are overpriced.

It's a fact: stock investors sometimes lose money on their way to wealth. Get over it.

It's daring and challenging to be young and poor, but never to be old and poor. Whatever resources of good health, character, and fortitude you bring to retirement, remember, also, to bring money.

You don't date an annuity, you marry it. An annuity isn't a mutual fund that you buy today and sell tomorrow. Nor is it a certificate of deposit, ready for any new use at maturity. When you buy an annuity, you are making (or ought to be making) a 15- or 20-year commitment, at least.