Former Vanguard CEO: ‘If readers of my book come away with one thing,’ I hope it’s this money lesson

“If you can afford to, divert some of your money into a “play” account that can keep you entertained while the rest of your money does the boring work of growing, says Howard Dvorkin, a certified public accountant and chairman of Debt.com. “Once you put the bulk of your portfolio into diversified funds, you can take a small percentage of your money to play around with individual names.”