Harkening back to a story about my grandfather, I was lucky to attend a great high school in New York, Bronx High School of Science, which has produced more Nobel prize winners than any other high school in America.

That being said, everyone of us can move a big step farther towards determining the direction of our own lives. We can all break free from group think. Some more than others. Most don't. Finding out who is who is great fun.

One of the things all entrepreneurs struggle with is where their efforts will have the highest impact. Unfortunately, too many of us continue to do the very same things that led to our initial success because we're good at it and we've created and invested in systems to support them

I believe in labeling things.

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!

When I started out, I wanted to have everything solved by the time I was 30. That didn't happen. Instead, I realized that the journey is the destination, that the work.

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.