

Exchange Traded Funds, basically these funds pool money from a lot of small investors and give you diversified portfolio. Basically if you try to mirror S&P 500 yourself, it’ll require about a few hundred thousand dollars to manage, but by pooling with other people you can have S&P 500 level diversification for 100$
Well couple of things, it’s entirely possible your friends and family are complete assholes, but sometimes people need to ask themselves how many times have they listened to someone when they want to express their negative emotions?
My wife’s cousin, her entire life she’s never once lent an ear to a sad friend/family, had had the audacity to tell an aunt who lost her breasts to cancer that she just brings negative energy and wouldn’t be invited to any gatherings at her house, now is suffering through a divorce and cannot fathom why the whole family kind of supports the husband and not her.