Ray Dalio — American Businessman

Ray Dalio is an American businessman and founder of the investment firm Bridgewater Associates. In 2012, Dalio appeared on the annual Time 100 list of the 100 most influential people in the world. In 2011 and 2012 he was listed by Bloomberg Markets as one of the 50 Most Influential people. Institutional Investor’s Alpha ranked him No. 2 on their 2012 Rich List. According to Forbes, he was the 30th richest person in America and the 69th richest person in the world with a net worth of $15.2 billion as of October 2014... (wikipedia)

There are two main drivers of asset class returns - inflation and growth.
He who lives by the crystal ball will eat shattered glass.
Pull in your belt, spend less, and reduce debt.
Nature is a machine. The family is a machine. The life cycle is like a machine.
I think that the first thing is you should have a strategic asset allocation mix that assumes that you don't know what the future is going to hold.