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While listening to a podcast recently, the person being interviewed (who had gone from negative net worth to independently wealthy in less than 15 years) made a comment about investing being harder than brain surgery.
This is awful – it tells the general public like you and me that we can’t hope to figure it out, so why even try.
Investing takes some training, I sincerely believe everyone can do it, but that’s not the main point. The single biggest deciding factor whether someone has money when they retire is not if they understand what a mutual fund is, what an index fund is, what bonds are, what an ETF is, or what a hedge fund is.
It’s how much money they actually put away every single month.
