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.

Having a Congress with a more diverse educational and professional background would serve the country well. And given the budget challenges facing America today, we might benefit from a few more cold, calculating problem solvers, and fewer courtroom impresarios.

We have been shaken by the deaths of Eric Garner, Michael Brown, Trayvon Martin, and Tamir Rice - shaken, but not sufficiently unsettled. We must contextualize those losses, force our neighbors to become so deeply disturbed by what has occurred that they, too, are inspired to act to change the system.