Seven Bad Habits That Can Ruin Your Retirement

From MarketWatch.com:

7 bad habits that can ruin your retirement - MarketWatch

Adding 8.  Ignoring stock market long-term trend dictated by future economy:

It is no longer the 2000 (dot com era) or 2008 (big bear); but one has to examine all the economical climates and ask oneself, "Do I want to entrust my hard-earned money to this casino that has little clarity or hope??"  If not, most of the previous seven habits have to be revised or updated.  For me, it is a unique era that most of the lessons previously learned can be thrown out of the window. 

-- Too many people (e.g., hedge fund managers) are manipultaing the stock market (only a small percentage of those were caught)

-- Incompetent Government who will do the most silly things for the conutry

-- QE3/QE4/... that do nothing but more damage to the economy

-- Common people have no confidence with either the Government or economy

-- We now know all these retirement planning, equity allocation, inflation-fighting, etc. are mostly news-makers or tricks to lure us off our hard-earned money

-- etc.