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 always just wanted to write and maybe direct. I'm really only interested in that. And yet the business that I'm in has forced me into being a salesman - that's the last thing that 17-year-old me would imagine I'd end up being. I'm uncomfortable trying to sell anything, but that's what you're doing every time you walk into a pitch.

I sold my first short story while I was home on maternity leave, then began working on novels. Since I was reading and enjoying romance novels at the time, the first two unpublished manuscripts I wrote were both romances. I sold my third novel, 'Call After Midnight,' to Harlequin Intrigue after submitting it unagented.