Why is financial forecasting so persuasive when its track record is so poor? Don and Tom open the Book of Financial Physics to Law No. 6—“Nobody Knows Nothing”—and explain why stock pickers, market timers, and highly paid pundits cannot reliably tell you what comes next. Then they answer listener questions about permanent life insurance and deferred income annuities, trusted contacts and two-factor authentication, and whether a wealthy client can copy an advisor’s portfolio while paying for ...