Robinhood 2015 came out and they said, Hey, we're not going to charge on stock trades. And recently, Charles Schwab and TD Ameritrade and E-Trade all got rid of their trade commissions for stocks and ETFs. But the costs that I was highlighting in that piece, those have always been there, but like, it's never free. If you're not paying something, then you have just become the product.

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