Adam pypaland joe: I'm a big fan of both your podcasts. They've been really helpful in building my financial literacy since i started listening in early 20 20. My question to day is related to something i like to call active passive investing. It involves buying low cost index funds and holding them for years. This is what i've done in my roth account, where most of my holdings are v t i, vanguard's total stock market index, t f. In order to reach retirement even sooner, i'm wondering if i can beat v t i's return by taking a more active approach when it comes to the index funds i purchase.

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