Savings will not make you rich. Only canny investments do that. The role of savings is to keep you from becoming poor.

The chief function of stock-market forecasters is to make astrologers look respectable.

A faithfully kept program of savings and conservative investments can give you more money and a better life than that of your neighbors who spend everything they get. This is probably the oldest financial advice in the world, but there are some things you can't improve on.

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

Financial planners who take commissions have a built-in conflict of interest...even with disclosure, my choice would be a Fee-Only planner.

Life insurance can be numbingly complicated. Clients often turn off their brains and surrender their judgment to the very agent or planner who brought on their coma in the first place.

No one knows what stocks will do tomorrow, but the evidence is clear as to how they'll perform over 10 or 20 years. They will almost certainly go up.