Begin with the end in mind.

It's unfortunate it's gotten to the point where the average fan can't hardly get an autograph because of all the people who are trying to take advantage of it. They're more than gracious to sign programs and things to help the charities, but they have to watch out for the pros who walk up with a backpack full of memorabilia they want them to sign. The big-name guys can spot them because they see them all the time.

Some of the biggest companies have some of the worst 401(k) plans I've ever seen. But Joe's Plumbing might have a great 401(k).

What this comes down to is you have to take the best you can in your plan. I suggest people talk to their companies and ask them to increase the options.

You live and die by those stocks because you're not diversified. They need to look at different sectors.

What happens is most plans aren't that great. You do the best you can with the choices.