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.

Clearly, many branches of science need an exquisite precision of timekeeping and the infinitesimal decimals of calibration, so space launches, for example, are not scheduled for leap-second dates. But society as a whole neither needs that obsessive time measurement nor is well served by it.

Every time you log in to Facebook, every time you click on your News Feed, every time you Like a photo, every time you send anything via Messenger, you add another data point to the galaxy they already have regarding you and your behavior.