A wise person outside the USA once wrote that they never met someone who failed to meet their savings goals because they only earned the market rate on their st

A wise person outside the USA once wrote that they never met someone who failed to meet their savings goals because they only earned the market rate on their stocks, but they met many who failed because they did not earn enough, did not save enough, kept their savings in cash, or paid high fees for their investments. Its hard for an individual investor with a few months' to a few years' average income in investments to diversify effectively and not eat up their money in transaction fees and their time researching dozens of companies (including many foreign companies).