We then replaced our active mutual funds with index funds and ETFs when we realized that most portfolio managers were just as bad stock-pickers as we were.

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On doing sequels: When we started, they were considered a bad idea.

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When we played bad before, we were in the game.

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It was a moment when we were going -- we were just getting a glimmer of the worst recession in our lifetimes, how bad it might be.

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"But when I looked at the data and saw we were affecting these babies, too bad if it was going to hurt me, " he says.

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We were a bit shaky at times which is normal when you are having a bad run.

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