Fifty years ago wealth was stored and transmitted physically through gold bars, stock certificates, bank notes, and coins.

Technology is similarly just a catalyst at times for fundamental forces already present.

Even some of the greatest technology-led revolutions, or allegedly technology-led, really were only made possible because of trends already present.

Be dramatically willing to focus on the customer at all costs, even at the cost of obsoleting your own stuff.

Well, today people have to be self-reliant if they want a secure retirement income.

Mutual funds were created to make investing easy, so consumers wouldn't have to be burdened with picking individual stocks.

Thirty to 40 years ago, most financial decisions were fairly simple.