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“The key to happiness lies in a modest standard of living which can be easily achieved under all economic conditions.” Benjamin Morwitz “The stock markets day-to-day is actually a distraction from the business of investing.” John Bogle “I’m not smart. I try to observe. Millions saw the apple fall but Newton was the one to ask why.” Bernard Baruch “Don’t beat yourself. If you have a [financial] plan that is working, stick to it.” Martin Schwartz