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kitler53 said:

financially (well at least investment wise, i budget my daily expenses well) and pretty uninformed and dumb to what i'm doing.  i have a lot of money in my 401k and another big chunck in betterment and a really big chuck doing nothing in my bank.  what i like about betterment is it does everything for me.  what i hate about betterment is i really don't know if i should trust it.

i've done really well finacially so far but i really feel like i've forest gump'ed it.  i've been on the very lucky end of a lot of things really.

Ultimately trust comes into it with the economy and investments.  Over all, even with big down turns, planning and investing has shown itself over decades to be a sounf strategy for millions of people.  Getting that reliable 6-9% return annually really adds up over a 30 year period.