I don’t believe in luck and I don’t believe in fate. I believe our lives are mostly driven by the choices we make. Many of my successes and many of my failures have led me to where I am now. My grandmother, Rose, was the greatest person I knew. Her life was shaped by her experiences including nearly dying at Auschwitz, she lived an exemplary life, guided by simple principles. She knew things about people, by observations and her simple ideas of what was right and what was wrong. One of these days, I will finish a book of mantras and sayings, that have guided me to where I am in life. There are mantras that you, as a 401(k) plan sponsor can follow and lead you from a path that will cost you in fiduciary liability. This is what this article is all about.