Wait. Step zero. Who are you and why do you expect ten thousand people to trust you with a several years worth of income? An answer of "'we' are 'you' - the 10

Wait. Step zero. Who are you and why do you expect ten thousand people to trust you with a several years worth of income? An answer of "'we' are 'you' - the 10000 people who enroll! Together we'll figure out how to manage the money and stuff!" doesn't score well.