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@txstudent145 It's pretty accurate. And it is quite helpful for both the discussion and OPs' questions. Someone needs to call out the previous "advice".

@4theloveofgod1 He's right. So many people work hard their entire lives but see terrible returns listening to "investment advisors" who are nothing more than commissioned salesmen. When you're dealing with multiples of your salary, you should spend the time to figure things out for yourself.