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When I stopped picking individual stocks, I had about $50,000 sitting in cash and investments that needed a home. Not a huge amount, but enough that leaving it in a savings account felt wrong. The obvious answer everyone points to is ETFs — buy a low-cost index fund, set it and forget it. And that’s…

I used to think picking stocks and making day trades was what serious investors did. Read the annual reports. Follow the earnings calls. Track the news. Buy low, sell high. I had a brokerage account, a watchlist, and the quiet confidence of someone who hadn’t yet been properly humbled by the market. For a while…