Here are the 100 things I’ve learned in investing.

I've been updating this since 2012 to share, to reduce my own unforced errors, and to reinforce the good habits, like #47.

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1. Most of this list is dedicated to insight on stock picking, but know this: It's darn hard to beat the market. 99% of people are best served steadily buying and holding low-cost index funds at the core of their portfolios -- and I may be understating that 99% figure.

2. Looking for a diversified, low-cost index-fund core? Vanguard is what I recommend to anyone who asks. Three flavors: 1) Stocks and bonds: Target date funds. 2) Entire world stock market: $VT. 3) Entire world stock market, split up between U.S. and foreign: $VTI + $VXUS.

3. Being contrarian doesn't just mean doing the opposite. The "contrarian" street-crosser gets run over by a truck.

4. In any financial matter, find out what the other person's incentives are. Discount accordingly.