Sublime

All funds charge fees, and often these fees are multilayered and difficult to parse. Mutual fund fee structures can be more complex than ETF fees, another point in favor of ETFs. The primary number you care about is the expense ratio. This should be low, well under 1%, and the lower the better. Mutual funds sometimes charge for buying and selling

These robo-advisors have added phenomenal features that are genuinely helpful, including planning for medium-term goals like buying a house and long-term goals like retirement.

People love to argue minor points, partially because they feel it absolves them from actually having to do anything. You know what? Let the fools debate the details. I decided to learn about money by taking small steps to manage my own spending. Just as you don’t have to be a certified nutritionist to lose weight or an automotive engineer to drive

All too often financial advisors have a narrow focus. They sell investments and investment advice. They don’t teach thrift and budgeting. Many find it embarrassing, even degrading, to suggest to clients that their lifestyle is too high.

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