The VTI, for example, has an expense ratio of 0.05%. You'd need $1.2M invested to pay Vanguard $50/month (which is my Internet bill). Probably there are other

The VTI, for example, has an expense ratio of 0.05%. You'd need $1.2M invested to pay Vanguard $50/month (which is my Internet bill). Probably there are other optimizations with a better time-money tradeoff than manually managing your portfolio.