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@devnull Don't forget the death gratuity too.

@annec1975 You'll have annual account fees or expense ratios (VTSAX is 0.04%) and then sales loads. Sales Loads can be found on your most recent statement. Mine was listed right under my contribution as "SALES CHRGE PERCENT 3.50". If you can't find it, hopefully that means you don't have sales...

@annec1975 Not necessarily. It's like paying the guy at Jiffy Lube to replace your air filter; You're paying for an agreed upon service. They perform the agreed upon service. But with a little knowledge, you could easily perform that service yourself. In my opinion, it isn't worth the cost...

@spreading_the_gospel It's painful, but it gave me lessons to teach others. I tell people to go read the personalfinance sidebar. 5 hours 5 years ago would have saved me around $7,500 in money wasted, all the gains on it, and better performing funds for the last few years. But hey, we learn and...

@shayb2993 This is a good consideration for OP given their primary concern is income. Among other benefits, OP can get Tuition Assistance towards Bachelor's as a Reservist.