I really enjoyed this excerpt so much that I have to post it here.  This is one of my favorite financial websites.

  •  
      In 2006, JLP from All Financial Matters interviewed Clements, asking, “What’s the most important thing you have learned since you started writing about personal finance?” Clements replied: 

      Financial success has very little to do with your ability to pick winning investments. Instead, what matters is stuff people never think about…The ability to delay gratification is critically important. Similarly, a lot depends on maintaining steady employment, staying in good health, avoiding divorce and whether you have children.