Rebalancing is particularly important in retirement savings because the investments are so important and they have such a long-term. You’re talking about saving for decades. And if you don’t rebalance when you should you can hurt yourself long-term.

You really need to make those decisions. And it’s easy to put them off in the heat of day-to-day decision-making. You’ve got stuff you got to do on a day-to-day basis. These things really need to be done and it’s easy to say, “Well, that’s — I’m not worried about it because I don’t expect to retire for you know, until 2047, so it doesn’t really matter that much.” It does matter that much. It’s really important to look at it. So don’t dawdle. Rebalancing is an important thing to do.