Tools are important. The quality and shape of an instrument matters. Many skills are inextricably linked to particular tools.
And yet the truth remains that you can lose sight of the skill through a compulsive focus on the tool.
In the context of money there is a widely varied set of skills that it can be useful to develop or outsource, and most of those skills have tools: Investment portfolios, insurance policies, long-term planning software, estate documents, etc. etc. All of these tools matter and can make a difference in your quest to be financially healthy.
But you still need to maintain a primary focus on the skills and behaviors that give those tools meaning and context. This is a central part of what it means to be human, that we take part in creative endeavors. We are meant to animate the tool, not become one.
Meaningful Returns 