amen to that one! Financial illiteracy is insanely prevalent in American society. People are more fluent at fantasy fooseball than they are budgeting. It’s most likely all by design. Keep society illiterate so the institutions can exploit it. I graduated with a guy that makes tens of millions selling annuities and underperforming mutual funds. He’s licensed to sell insurance but somehow he has become a local financial expert, Calls himself a financial expert and advisor, goes on local tv and radio, has a podcast etc etc. All that matters is that he calls himself an expert so that people can feel like they’re making the right decision. He’s a prime example of someone who has mastered the art of exploiting the financial illiteracy in our country.

This is the perfect person to ask to produce documented performance on an annualized basis versus the S&P. Watch his eyes glaze over when you do.

I guess the main take away in this entire discussion is, nobody cares about your financial future and well being more than you. I’d say everyone that’s participating in this thread is well ahead of the curve. Cheers!