The law went into effect on January 1, 1980.Even the “father of the 401(k),” Ted Benna, tells The Journal with some regret that he “helped open the door for Wall Street to make even more money than they were already making.”

Oh, and who wouldn't be complete without a journal, day planner, key fob, or a 3-day coaching seminar?

Another good read is The Wall Street Journal's Book on Real Estate Investing by David Crook.  

Thanks all for the feedback.After 5 years, the rate fixes again for another 5 years based on Wall Street Journal Prime + 3 %.

Something that helped the past 2 months was the intention journal from BP it keeps me accountable for creating a schedule and hitting my goals (even small ones).

Where do I find this journal