It is a daunting challenge if you have 100 funds to choose from. People are terrified that they will make a mistake. They say that they will figure it out tomorrow. But tomorrow will be no different than today.

There's an ice cream place in Vancouver that has 200 flavors, if you can believe that. But the people who go there end up less satisfied with their purchase than the people who buy their ice cream at a place with only 20 flavors. Yet people are lined up out the door at the place with 200 flavors because it seems like you're more likely to get exactly what you want.

It paralyzes people into indecision.

Face it - potatoes are boring. But everybody loves them. The challenge is to update potatoes in ways that people will still enjoy eating.

People who work in financial services don't have one shred of concern about the well-being of the people they serve. They're only interested in themselves.

How much does it really matter whether your child will soon be enjoying a first year at Harvard or Yale or will instead end up at her third or fourth or fifth choice? Probably much less than you think.