People don't invest every single dollar they have into a fund. You're always going to have a bit of money laying around, why not put it to use? And even if one

People don't invest every single dollar they have into a fund. You're always going to have a bit of money laying around, why not put it to use? And even if one went with it: I'll be up by a multiple of 33.5k because I spent money on things that put me in a better mood to work on myself and lead me to better jobs etc. etc.