It's a common question...
In one month, I read two facts that were life changing.
The first: all 8,690 kindergarten teachers combined in the U.S. did not make as much money as the top 25 hedge fund managers. Ironically, the fees for those hedge fund managers were coming, in part, from retirement savings of the kindergarten teachers!
The second: 6 of 7 dollars of an investor's return in mutual funds are siphoned off by the financial industry.
I had had enough. It was July 22, 2015, and on that one day in July, I decided this was going to change.