J.L. Collins

She's in her early 30s.

She just stepped away from her corporate job last fall.

I don't know for how long, but she's very engaged in doing other kinds of things that she very much is enjoying.

And some of those things throw off some money.

So if you are

well organized smart enough diligent enough to achieve fi or something close to it and you step away from from the job you have the odds of you never doing something again are pretty slim so yeah i i don't think it's about retirement i don't think i've ever personally met a young person

who achieved financial independence and retired and literally spent the rest of their life on the beach.

I mean, I've met a lot of them who spent the first few weeks or even few months on the beach, but you know, I think most humans are kind of driven to do stuff.

And the only problem with work is that frequently in the corporate world, you lack autonomy and that makes it unpleasant.

But if you control your work,

If you don't need to do it to pay the rent, it suddenly becomes a much more engaging and joyful kind of activity.

So I would suggest all people really need just one fund.

So I'll be a little more dogmatic, I guess, on that.

So first of all, the fund that I personally use that my daughter has used in following in my footsteps is VTSAX, which is Vanguard's Total Stock Market Index Fund.

I like that fund.

I like Vanguard for a bunch of reasons we can get into.

But I get a lot of questions around that.

One of the questions is along the lines of, you know, I'm with Schwab or Fidelity and they have a total stock and I like them.

You know, I've done business with them for a while and I like these guys and they have a total stock market index fund.

Does it have to be VTSAX or can I use theirs?