[RickJWagner]

I closely align with 'Boglehead' investing philosophy. This school of thinking tries to minimize risk by emphasizing consistent investment over time, avoiding attempts to time the market and pick stock 'winners'.

One of the best parts of Boglehead culture is a set of short, easily remembered phrases that describe core principles. In this case, I think of the phrase "Nobody knows Nothing!", which means there has never been anyone who can consistently tell when the market is about to spike upward or downward.