"Honestly, orthodoxy concerns me about as much as it concerns your average jackrabbit. I only follow rules that take me where I want to go. If there aren't any rules, I make up my own and follow them strictly."

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If you invested in a very low cost index fund - where you don't put the money in at one time, but average in over 10 years -you'll do better than 90% of people who start investing at the same time.

— Warren Buffett