The people who are most involved in these kind of movements typically are not good places to go to really learn personal finance. And the ones that do succeed tend to have to abandon what is popular at a particular time because it's not well thought out. We're going to get to this when we get to your proposed strategies, which seem to be based more on what is very popular right now in the past 10 years. But stop being useful because it was never designed for decades and decades of time.