I see all these people out here talking about how the presidential election this year "now appears to be a dead heat." Yeah right. You go right on ahead with that, Sherlock. Feed that one into the computer, good plan.

One thing you can do on Friday, at the end of the day, when you have a couple free minutes, is to pick up the phone fire all of your "financial adviser" and "investment consultants" and anyone else who takes money from you in exchange for recommending investments to you. Then just buy some low-cost index funds in a mix of stock and bonds, and then go to bed, because that is what smart people who don't like getting hustled do.