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.

I've never worried about how a new release will be received. I simply try to do the best I can and leave the rest to the gods. The music industry in those terms is something I loathe and detest. It conjures up images of a gigantic factory spewing out parts of the machine.