Self-discipline. Just as with losing weight, there is no shortcut to success in investing. Money Holders need to start by putting money aside, which requires discipline. There are business models that encourage such discipline, including certain retirement pools, e.g., 401Ks, which charge penalties for early withdrawal. This has two benefits: it allows the Money Manager responsible for the 401Ks to make long-term investments, and it also increases the likelihood that the retail investor will have more money for retirement. Many advisors automatically withdraw each month an investment allowance from their customers’ bank account.