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.

Do I sometimes hope I wake up in the morning and people are like, 'What's wrong with her? She looks emaciated.' Of course I would love that. I'm such a clothes whore, I would love the opportunity to be a hanger. But I think I'm more confident than I've ever felt in my life.

I want to tell mayors, county chiefs and heads of big companies: don't just chase GDP growth; don't chase the biggest profits at the expense of our children and grandchildren and at the cost of sacrificing our ecological environment.

Boxing is like chess. You encourage your opponent to make mistakes so you can capitalise on it. People think you get in the ring and see the red mist, but it's not about aggression. Avoiding getting knocked out is tactical.