I mean there's nothing you're contributing by saying I'm the first person you've come across that's complained about fees. So what? You're just antagonizing to

I mean there's nothing you're contributing by saying I'm the first person you've come across that's complained about fees. So what? You're just antagonizing to antagonize. But my business sense is fine, thanks. I'm pretty sure retiring in my 20s allows me to say that. Maybe you know something I don't, though, having accumulated this knowledge over many years; I'm open to learning new things if you're open to contributing something useful. Maybe if you wanted to make your point you could at least say something about effective tax rates in the most populous metro areas, or state-by-state annual fees or corporate requirements, or literally anything. But my guess is you don't have any of that information to provide. In business there aren't "a million things you could do with greater ROI." You form a business, you sell goods and services, and you focus on the maybe 5 or so things that are relevant to your industry. All of this other imprecise talk is just online blabber.