“. . . but how do I make money from this information, James?” is a question I receive from time to time. Or, more charitably, “Given the conspiracy reality, how do I invest for my retirement?” That’s a better question, but still, it depends on what we mean by investment, and what it is we’re looking to achieve in the long run. No, I’m not an investment advisor and won’t give you the latest hot stock tip, but I do have some things to say about this topic.