I am the answer! At some point you have to come to terms with the real change agent in your life. It is not your parents. It is not your spouse. It is not your boss. It is not some politician. It is YOU. When we stop looking "out there" for someone to fix your problems, you can start looking within where the truth lies. It is that person in the mirror that will ultimately decide your fate. What that person thinks, and does with their life with the daily habits they develop will "tell the tale" as they say.


Mahatma Gandhi told us, "Be the change you wish to see in the world." He was right way back then and he is right today. Stop looking for someone else to change your life. YOU change your life. Once you make that shift within the mind, behaviors start to change, and habits are created. Instead of seeing problems, you find solutions. Instead of criticizing, you praise. You take full responsibility for your life because you understand who is in charge of it as you look in the mirror and say, I am the answer! 


The most important quality for an investor is temperament, not intellect. You need a temperament that neither derives great pleasure from being with the crowd or against the crowd. - Warren Buffett


What is the difference between a managed mutual fund and an index mutual fund? Why should you care?


This week's recommended book is Smarter Faster Better by Charles Duhigg. Duhigg also wrote The Power of Habit. This new book provides new inside into how humans think and ultimately behave based on the many factors that occur within their lives. Duhigg provides plenty of new insight backed by evidence, demonstrating why it is so important to better understand the human mind, culture, environment, and that crazy thing called emotion. Pick it up. You will feel more enlightened when you finish it.

Are you Financially literate?