In The Psychology of Money, Morgan Housel points out:

• Humans aren't wired for investing, and the concept of saving for a dignified retirement has only been with us for two generations.
• When compounding, time horizons are just as important as returns. Over a long enough time horizon, a portfolio's return will converge with the returns of the best assets in the portfolio.
• Saving is about creating flexibility in decision making and peace of mind. 

To elaborate on this last point, Morgan artfully articulates that an investment approach that delivers the best mathematical outcome may not be appropriate for an investor if it negatively impacts other areas of their lives. 

If you're looking for something to read, I have hundreds of briefest book reviews you'll find on my website. 

You'll notice that The Psychology of Money has slid into the #9 slot as one of my all-time favorite books on investing, leadership and management. 

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