Can’t buy happiness…
There are few more important life skills than the ability to make correct decisions concerning your financial affairs and future. Exposure to appropriate knowledge, from the earliest possible age, facilitates insight enabling the later attainment of wealth and security. Decision-making becomes critically important for a person’s comfort and welfare as health and personal care issues arise in old age, and as well when an elder’s role becomes significant as a benefactor and source of wisdom. Intrinsic is the ability to read and understand financial information, ranging from standard accounting statements and records to elaborate data sets and history, as well as published articles, books, and informed commentary, in print, on the internet, and via broadcast media. No single book or article can adequately encompass the vast library of published information and experience which informs the characteristics and trading of available investment vehicles. Make no mistake about it, education, formal or by personal initiative, is your technical edge for making smart, effective decisions. It wouldn’t be a stretch to suggest that your personal initiative in acquiring a diversified financial education is significantly more important than any simplistically varied, single sourced or narrowly based bond, stock, mutual fund, or ETF portfolio, even if “professionally” managed.
Market risk, the great terror that comes with investment industry groupthink, the proverbial herd mentality, pales in comparison to the lurking pitfalls of personal confusion and misconceived attitudes. Common sense and realism concerning what you know, and intuitive awareness when you don’t, is essential. Frequently neglected, the emotional aspects of investing and trading can be the most dangerous, especially the failure to understand your personal predispositions that impact judgement and timing, i.e., being habitually impetuous, or inclined to procrastination grounded in irrational fear, especially with a gambler’s attitude. Perhaps most important of all, the cognitive focus and depth implicit to a mature emotional quotient should inspire every investor’s attention, enabling sophisticated study, and more lucrative financial and investment decisions.
Predicting the future in August 2013? Buyer beware, people focus on what they think they see or saw, and believe; you may not agree with this gentleman, but he is indisputably honest and qualified:
Give a man health and a course to steer, and he’ll never stop to trouble about whether he’s happy or not.
GEORGE BERNARD SHAW, Captain Brassbound’s Conversion 
If money can’t buy happiness, then “What’s the best thing money can buy?” This question posed in the 26 July 2015 edition of BBC’s “capital”, and its query to www.quora.com – “The best answer to any question,” provided a thoughtful response by Gustavo Freitas, “Money buys you alternatives. . . In the end, having more money gives you “freedom” to make best of your time or if want it, making even more money.” 
The “things” money can buy may be irresistibly enjoyable, but they are ephemeral, gone by the latest at the last blink of your life if you’re lucky; but for those of us who may have more time than money, not the highest priority. However, “give a man health and a course to steer,” purpose, a goal might be a smart place to start.