If you can resist that and put everything on automatic and go on with your life, eventually, you will come out much richer than if you run around chasing hot investments or try to save yourself from some risk.
What final piece of advice would you like to impart to Bankrate's readers?
I think the best piece of advice I can give folks is that it is in their power to be financially independent.
Whatever their circumstances now -- if they want it enough, they can create the wealth that they need to stop work at some point. It may not happen as fast as they want, it may not happen in the way that they predicted, but the fact is that these principles of paying yourself first, avoiding toxic debt, staying in the market -- all those things will eventually add up to wealth.