"Financial planning is like navigation. If you know where you are and where you want to go, navigation isn't such a great problem. It's when you don't know the two points that it's difficult."

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Someone has said that even criticism is better than silence. I don't agree to this. Criticism can be very harmful unless it comes from a master; and in spite of the fact that we have hundreds of critics these days, it is one of the most difficult of professions.

— Janet Scudder