Clever guys, but not infallible. In the market no one is. However, their biggest secret (which is no secret at all) is buy right, leave to compound, and at all times be tax efficient. I can think of 3 guys within 1/2 mile of me who did just that at a more modest level of course and voila a comfortable retirement that is essentially based upon good decision making coupled with delayed gratification ( leave it, don't spend it). If I could take your average Joe Public and brainwash that into him then society would be much better prepared for the long term. heck they would look like Norway ! 😃