The investment world isn't designed to help investors earn great results, it's designed to line the pockets of the people in the investment world. Wall Street is always creating new and complex products, because the more complex it is, the more they more in the way of fees they can charge. The good news for us is that we don't need to walk Wall Street as far as I'm concerned,. continue to do whatever it wants to do, doesn't affect me as a long-term investor at all"

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