<span style="line-height: 20.8px;">Why is it that we will wait in line for hours to lay out hundreds of dollars on the latest gadget, yet we won't spend a minute to improve investment decisions entailing many thousands of dollars? The difference is emotional versus rational. We want to have fun and to show off our latest toys. By contrast, investing is cerebral and can make our hair hurt. Never mind that investing helps us afford the fun stuff.</span>