If the question is, how do we best produce business people who can succeed in the post-Great Recession era, then I think the MBA programs and their connection to large companies remains intact but it's not the path to a "Business Brilliant" life. It's a path to a middle-class existence marked by large stretches of security and comfort with occasional eruptions that you're probably ill-prepared to handle. Do I sound too cynical?

As members of a minority, one that was often persecuted, that entrepreneurial perspective was burnished with a sense of "outsider" status - so not only were we committed to finding our own way of achieving success, we also grew up to believe that we'd have to fight to get whatever we wanted.

While I did complete high school, I would have to say that it was by the skin of my teeth. My education ever since then has been one that I got "on the job" and I consider myself a very well-educated person at this point!

The bottom line: All of your investing decisions should be grounded in your own investment policy statement. By taking a "top-down" look at your finances and writing out a road map, your policy statement will add an important element of discipline to your approach.

I don't know if you hear this often but I would say The Razor's Edge (loosely based on a great W. Somerset Maugham novel). This was Bill Murray's first dramatic role so everyone thought he stunk in this deep character but I thought he and the movie were great. The movie takes place over decades so you see Murray's character go from goofy playboy all the way to wiser, older person. It's basically a movie version of the journey I described.

But, to the extent that I cannot solve MY problem with the same thinking I used when I created it, you're right. We need the fresh air that comes from others to see things in other ways.

I also believe that at a critical point (more than six people?), that collective wisdom turns into group think.