Have a well-thought financial plan that is not dependent upon correctly guessing what will happen in the future.

It is important for investors to understand what they do and don't know. Learn to recognize that you cannot possibly know what is going to happen in the future, and any investment plan that is dependent on accurately forecasting where markets will be next year is doomed to failure.

History shows us that people are terrible about guessing what is going to happen - next week, next month, and especially next year.

We need to plan for our social future, just like we plan for our financial future.

A well-designed 401(k) plan is an enormous competitive edge when recruiting and retaining employees.

Google's founders have had a good eye for imagining what technologies will be significant in the near future. No one asked Google to develop self-driving cars, but it helped them with street views for Google Maps.