 You don't have to be the best investor or some sort of sophisticated options strategist. If you could just avoid losing money, if you can have a written plan, avoid financial double talk. These are the things that if we did wrong, well, we would have a pretty steep price to pay. The price would be our peace of mind in retirement, of course. But when we avoid doing those things wrong, we really just have to narrow down from there a few things that we have to get right. I think Warren Buffett said it quite plainly there.