Three reasons not to have a [spending] plan: 1. You're rich enough to buy anything you want and still have plenty of money left over. 2. I forget the other two.

Everyone needs a small-town banker. Especially in a big town.

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.

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

Stock prices aren't real things. They're just froth on a wave. The wave is the only real thing, which investors forget when they're watching the ticket slither by.

hindsight is not a strategy.

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