Dave Chilton

And again, as a general guideline early in life, and neither of us hates this, by the way, we don't want to come across.

In fact, I think Bill added to the conversation and did some very good things with this.

But to Mark's point, it's become almost gospel.

And I'm always amazed by how many people quote it who've never really read it or look behind some of the important aspects of it.

You made a vital point last night when you talked about how that was based on the US market performance of the large cap and of the bonds.

And if you move it over to other countries and most people in those countries, of course, have most of their money invested in that spot, then the math changes very, very significantly.

Well, probably Japan, logically, just because it was such a poor performer.

It would be ultra low.

Are you finding more and more people you deal with have a heavy equity component later in life, much different than 20 and 30 years ago when I started?

No, that's going to be a net negative for people.

It's going to make them overtrade.

They'll read some hot tip on Twitter from somebody they like, and next thing you know, they own the stock, but they're not following when that person's going to sell.

And of course, outperforming the market is so, so difficult.

All right, I'm going to go a little bit different direction.

Who do you watch in the industry?

You're a very bright guy.

Who out there do you listen to, US or Canada, that you think adds value to the conversation on the financial planning front?

I really am because she has a rare mix.

She's obviously extremely intelligent and knowledgeable, but great communicator.

Yeah.