Talk to me about investing pick stocks Or index funds and I'm like you're poor Here's the thing is when you when you do The dollar cost average thing because Everyone likes to put in the Excel sheet Everyone gets Excel Rich the thing is is That by the time you retire with four Million dollars on that Excel sheet four Million dollars will be a million Dollars today just not a lot of money Now people like that is a lot of money It's not when you're trying to live on It and you got like 30 more years to Live take the compounding of four Percent a year on inflation and do that For 40 years and then see what the money Really looks like and whatever it is I Think it's around four percent people Aren't taking the inflation into account