This is awesome. You've got the right investment process. When the financial services industry uses the word risk referring to a broad index of stocks for example the S&P 500 they don't explain that that word actually means volatility and not risk in terms of losing your money over the course of a person's career. In fact investing and holding the S&P 500 index fund is the least risky way to financial freedom over the course of a person's career. The average return over any long-term period of time dating back well over 100 years is 10%. These index funds are the only way to invest without paying big fees to the financial services industry and capturing the full 10%. It's so obvious once you say it but that's not how the financial services industry makes their money so we don't hear it from them. Thanks Colby.