"Pundits talk, bloggers blog, regulators write new rules, and financial firms create new products, while ordinary folks get more and more terrified and less and less ahead. Something in our approach to personal finance must shift. The search outside ourselves for answers is getting us nowhere. We're drowning in a salty sea of information without a single drop of clear common sense. What we need is not more financial intelligence. What we need is emotional intelligence. What we need is mindfulness."