I consider myself an annoyingly wonky person and I found the crap abt "Here's how to allocate your HSA investments" too hard to deal with
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Replying to @arthur_affect
And they think the future of health care and retirement is forcing all Americans to try to reckon w Wall Street marketing materials
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Replying to @arthur_affect
(Example: the "easy" choice for 401k they give you is always the target date fund, Retire in 2050 or whatever)
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Replying to @arthur_affect
(Which sure fine but that one always no fail has the biggest expense ratio, sometimes by a factor of like 10-20)
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Replying to @arthur_affect
(They know you're terrified of fucking up so they can price the "easy" option for "non-investors" as ridiculously as they want)
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Replying to @arthur_affect
You end up paying literal thousands of dollars to Wall Street managers to do effectively nothing while a computer closet-indexes your money
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Replying to @arthur_affect
Like 95% of the time doing exactly what all the rest of the stock market does and 5% of the time moving some shit around to charge you fees
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Replying to @arthur_affect
So one time I lucked into a financial windfall (long story) and did a deep dive on investing
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Replying to @arthur_affect
And learning abt just how much of the investment market is charging ppl to do nothing & claiming it's for their own good
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Replying to @arthur_affect
Literally "Here I'm gonna hold your wallet so you don't do anything dumb. And take a $20 out of it in the process. You should thank me"
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With that as the background "normal" attitude no wonder some ppl commit outright fraud and still consider themselves basically nice guys
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