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When employees are first eligible for a retirement savings plan, they should be enrolled unless they choose to opt out.
Richard Thaler
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No plan can prevent a stupid person from doing the wrong thing in the wrong place at the wrong time - but a good plan should keep a concentration from forming.
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For the happiest life, days should be rigorously planned, nights left open to chance.
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For siege works against bold and venturesome men should be constructed on one plan, on another against cautious men, and on still another against the cowardly.
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Our ancestors are very good kind of folks but they are the last people I should choose to have a visiting acquaintance with.
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