Malkiel: People should control the things that can be controlled. You can't control the market, but you can control the costs. Rebalancing can add to your long run return. And finally, save, save, save.

If we've got a problem in this country it's because people are not saving enough. It doesn't matter if you make 2 percent or 20 percent, if you don't have the money saved, it's not going to do you any good no matter how you invest it.

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