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.

People have this idea that the more pious and devout I am, the more successful I am. Which is very dangerous. If you look at faith in that way, you're bound to fail at both - spiritually and in your career.