The long-term virtue of this idea, what you'll begin to create, is a terrific lifetime habit that will give a person a great deal of lasting benefit. That weighs a lot more than the short-term thrill of tearing off the wrapping paper.

Number one, long term, they will be a no-load buyer and a more cost-conscious investor and not lean so heavily on the advice of financial professionals. And two, it will force them to do a little self-educating, which is always a good thing. At the very least, if they are going to rely on someone else, they can ask intelligent questions.

People will feel they did not make a lot of money (this year), and yet they may well see some significant capital gains taxes due on their funds holdings.

These virtues are formed in man by his doing the actions ... The good of man is a working of the soul in the way of excellence in a complete life.

Part of the problem about authenticity is that virtues aren't the only things that are habit forming: the more someone behaves in a way that is damaging to self or to others, the more "natural" it will both seem and actually be. Spontaneity, left to itself, can begin by excusing bad behavior and end by congratulating vice.

Some of it is inexperience. It's a different game. We're trying to build habit-forming things -- close-out drills, contesting shots. We're not trying to reinvent the wheel.