One of the key differences between rich people and everyone else is that rich people plan before they need to plan. - Ramit Sethi

Charging a premium amount allows me to offer a premium service.

Life is always going to be messy. But the most successful people don't rely on "motivation" or "working harder" to get things done. Instead, they have systems for the big, big wins, and let the inconsequential stuff fall to the wayside. As your business gets increasingly successful and complex, this becomes more and more important.

As a bonus for using index funds, you'll anger your friends in finance because you'll be throwing up your middle finger to their entire industry — and you'll keep their fees for yourself.