Honesty Is A Complex And Tricky Thing,

Big Data Is Like Teenage Sex: Everyone Talks About It, Nobody Really Knows How To Do It, Everyone Thinks Everyone Else Is Doing It, So Everyone Claims They Are Doing It.

The Retail Industry Has Its Own Headache: It Loses $16 Billion A Year To Customers Who Buy Clothes, Wear Them With The Tags Tucked In, And Return These Secondhand Clothes For A Full Refund.

Who Would You Trust Right Now? Which Bank Would You Trust? Which Investment Would You Trust? Do You Really Want To Put Your Money; Do You Want To Suffer More Of These Losses That We Just Had? You Know, These Volatility That We See Is Just Unexplainable By Any Rational Standards. Nobody Has Any Clue About How To Explain This, And Nobody Wants To Experience That. So, We Hold More Money Back, We Don't Necessarily Want To Invest In The Market And By Default, People Are Saving More.

But Suppose We Are Nothing More Than The Sum Of Our First, Naive, Random Behaviors. What Then?

What You Should Do Is Wait Until The End Of Each Month, And Then Say, "ok, How Much Money Do I Have? How Much Do I Need? Let Me Send The Rest To Retirement."