[Kenny]

I just listened to the latest ChooseFI podcast episode last night. “The more you tinker, the worse it gets.” I’ve never felt so called out. It’s a great episode though.

Luckily I haven’t sold or exchanged the funds I’m holding, but between my Roth IRA, my wife’s Roth IRA, my 401k, and my HSA.

I’m way overthinking what to invest in (don’t worry, sticking with index funds), which accounts and how often.

If Fidelity charged a fee to update the recurring investments schedule, I’d owe them a pretty good chunk of change.

[Amy]

It sounds like you’ve arrived at the Messy Middle where your money is all set up to work for you and no longer requires much hands-on intervention.

Here is where you get to stop tinkering with money and start tinkering with what your Rich Life looks like.

[Prasad]

Not tinkering with the simple path certainly has worked great for many. Many don’t want to look beyond VOO now since it’s done great after ’09.

Wondering how all that would change if VBR or AVUV outperformed VOO over the next few years.

At the end, I believe many are truly happy with the simple path only because it has outperformed the Merriman portfolios.

If not, I am sure many would be singing a different song

[Author]

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