A younger me was not so bright. At the time I needed the few extra bucks and retirement seemed a lifetime away; I had all the time in the world to make up for i

A younger me was not so bright. At the time I needed the few extra bucks and retirement seemed a lifetime away; I had all the time in the world to make up for it. Years later I got a mortgage and learned what compound interest is. I'd been underfunding for most of my career. You overestimate collective intelligence.