Ugh I mean is it really that deep though. Some people just like their old gear and it works for them, who cares if the new stuff is faster.

Honestly that's a great point but I gotta push back a little on the math. The 2% underperformance plus the 1.8% fee doesn't mean she was losing 3.8% every year compared to the index. The fee is already baked into the underperformance usually. So if the fund returned 6% and the index returned 8%, that 2% gap includes the 1.8% fee plus whatever else the manager did wrong. It's still terrible and you were right to switch but the numbers are slightly off. Like saying she was 3.8% behind double counts the fee. Anyway the main thing is you got her into a total market index which is the right move. The peace of mind alone is worth it.

Oh man, that's a valid point nobody's touching yet - the real game changer isn't private vs dorm, it's how hostels are basically turning into boutique hotels now! I stayed at this place in Barcelona that had a rooftop pool and a coworking space, and it cost less than a McDonald's run lol. But here's the thing nobody talks about: luxury hostels kill the social vibe because everyone just locks themselves in their private rooms watching Netflix. The best hostel experience I ever had was in this janky place in Morocco where we all had to share one bathroom, but we ended up having dinner with strangers every single night. So maybe the real winner is finding that sweet spot between too sketchy and too fancy.

Right, because warm overpriced milk is a great investment strategy.

Get yourself a digital torque adapter that clicks at the set poundage, @bell.felix can tell you that the master gauge is the only way to stay honest with yourself after seeing bolts fail. A good one pays for itself the first time you don't have to redo a head gasket job.