Barry Ritholtz

You, your employer and your plan's investment managers fail to follow even the most basic rules of investing. You overtrade, chase performance, do not think long term. All of you - All Of You - have done a horrible job managing your retirement plans.

As England manager I always felt we needed an extra man in midfield to retain the ball, but that was more as an attacking ploy to help create opportunities. It came from my experience playing international football in a 4-4-2 and spending half my time chasing the ball.

Every time you log in to Facebook, every time you click on your News Feed, every time you Like a photo, every time you send anything via Messenger, you add another data point to the galaxy they already have regarding you and your behavior.