After last week’s lesson on the concept that time is your friend, we move to discuss John Bogle’s take on timing. Reading over this valuable lesson, I’m reminded on the old Chinese proverb on timing – “the best time to plant a tree was 20 years ago – the second best time is now”. Don’t wallow in regret – move on and take action now to avoid another 20 years of regret My advice – don’t dwell on proverbs and catchy phrases just make a move – any move – which has to be better than sitting idle!