The Wide Distance Between Good and Bad
The point here: the difference among outcomes is enormous. The idea that an everyday person, no matter how well-educated, researched etc is still unlikely to uncover the differences. If the difference is $50 a year, that’s fine. Except, it isn’t. Not even close, 10x possible and then double that (because it can be in both directions).
The bad (and avoidable in this instance)
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Rule #1 of personal finance: Don’t give away free options. Everyone knows this, blatantly disregard when it comes to money matters. Sigh.
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