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.

After decades spent in rewrite rooms surrounded by other shouting writers, I discovered that I work best alone. I like being in charge of my time, working out the problems according to my own rhythms and being able to nap. That's a big one, the napping on demand!

I do read a lot, and I think in recent years the ratio between the amount of non-fiction and fiction has tipped quite considerably. I did read fiction as a teenager as well, mostly because I was forced to read fiction, of course, to go through high school.