You can buy Loro Piana but not a sense of humor - Ramit Sethi

if you're nervous about investing and just starting out, your biggest danger isn't having a portfolio that's too risky. It's being lazy and overwhelmed and not doing any investing at all. That's why it's important to understand the basics but not get too wrapped up in all the variables and choices.

We choose what's important for our Rich Life, and other people choose what's important for them.

The point is that we love to debate minutiae.