One reason there are several interpretations of quantum theory is that there are different ways of interpreting the underlying mathematical reality of quantum theory in terms of everyday experience. (newscientist.com)
But, this is less a critique of active management than it is the recognition of a simple mathematical reality. (us.beyondbullsandbears.com)
Bottom line: though of course financial and mathematical realities indicate that saving earlier is better, I'm a firm believer that starting any time is better than not starting at all. (bostonmamas.com)