We think, each of us, that we're much more rational than we are. And we think that we make our decisions because we have good reasons to make them. Even when it's the other way around. We believe in the reasons, because we've already made the decision.

The average investor's return is significantly lower than market indices due primarily to market timing.

Banks are run by executives, and executives protect themselves, and that does not always mean that banks are going to behave rationally.

Laziness is built deep into our nature.

Through some combination of culture and biology, our minds are intuitively receptive to religion.

You are more likely to learn something by finding surprises in your own behavior than by hearing surprising facts about people in general.