Thanks for the great elaboration on my note. FEES KILL! All the discussion on this thread of "oh just go with a mutual fund" is insane to me. Even if funds hav

Thanks for the great elaboration on my note. FEES KILL! All the discussion on this thread of "oh just go with a mutual fund" is insane to me. Even if funds have dropped in price from 1.5% to 1% to .7%, that is a huge number over the course of your life. The only realistic approach is super-low-cost ETFs, but those arent friendly to use or make a portfolio from. So the WealthFront layer is pretty critical IMHO.