Decimal fractions of a percent are low fee. Vanguard is mostly, if not completely, low fee.

I joined https://www.bogleheads.org/ which was also when I started learning about mutual funds

Bogle started the first index fund family (Vanguard), so there is an index fund bias with many there, but the forum has very knowledgeable people. (Full disclosure, I am busy, and use indexing myself, but not in Vanguard.)

You have managed to hit the best all-around choices on your first try.

The large difference is to learn to have the discipline to ride out the ups and downs of investing. In a recession, it is a gut punch to see your hard-earned investments drop. The losing segment says the whole market is rigged, screw this and lock in their losses by selling. When the market improves, highs are being clocked, these same are likely to forget their previous folly and buy in again. It is investing that is controlled by emotions, and is a buy high, sell low outcome. Mastering your emotions in investing is the key to investing. Many people give 1/4th of their money to brokers so that they will be reminded of the previous paragraph, when they need it most.

We are financially independent thanks to indexing, and using emotions in a constructive way. We also have been through a few ups and downturns, making money in each cycle, by riding it out, and asset allocation.

Follow your plan and ride things out, and you will likely be a multi-millionaire. It is not overnight, though.

My realization, now, was that they did. I was too clueless on picking up cues to realize it.

,25/,5 x 100/100 = 25/50 = 1/2

Why was that hard?

100/100 = 1, because any number divided by itself is 1.

And any number multiplied by 1 is still that number.

TBH, I moved the decimal over 2 places on the numerator and denominator and simplified 25/50 to 1/2 because It is easier to do in my head. Some of the other paths are too complicated when I am going to sleep.

My spouse and I are registered to donate our bodies to a medical college. If we can advance medicine in even a small way, it is still a move to better life and health.

Meat bags

Putin is as far as one can get from Mandela.

Whadaboutism does not excuse Putin for spreading lies. You fight lies by showing standing for truth.

I have followed ‘news’ from Russian outlets such as RT and Sputnik, being recast as Right wing talking points within hours. This is not just recent, it has been going on for years. Hamilton68 documents examples. The parallels of this propaganda being sown to the lies dispensed to Ukraine to sow dissention is obvious. It is a cheap warfare, and it works. Tucker was and is in the trade of packaging Russian propaganda as news. He should be labeled as such. Carlson was discredited and fired by Fox. Spreading lies, admitting to doing so on archived tapes, and iirc, sexual harassment was in his part of the discovery on Fox’s $780M settlement. In short, Tucker Carlson is on record for knowingly spreading lies, for personal monetary benefit. This is more of the same. I hope every person watches Carlson, knowing that Carlson reports what enriches him, not truth. Carlson has a transparent agenda. The unanswered question is who pays Carlson. That will be obvious by who’s boots that Carlson’s reports shine.

Pretty soon, Trump can take a sabbatical. He can take some time to right a book. “My $truggles” has a certain ring to it. /$

Republicans tell their base that they want to cut government, but always act otherwise. Controlling government purse strings is political power and economic power. There may be shell games played that transfers spending, but Republicans do not cut government, nor their power.