Risk aversion, which makes the bar for “great” near impossible to meet. From everything to career choice to investments, I made/make a statistical and risk min

Risk aversion, which makes the bar for “great” near impossible to meet. From everything to career choice to investments, I made/make a statistical and risk minimizing decision. I ended up a software engineer looking at average outcomes and general failure points for different majors. Don’t get me wrong future employers, I do enjoy the work (as you would see on my resume), but if it had the prospects of a history major, I would not have studied it. There are people who do that they love and expect to figure it out along the way. I am not that person. I invest in broad based index ETFs as statistically people are proven to underperform with stock picking. I have no reason to believe that I am special there, so I invest in ETFs. Add in that early career money compounds and is worth 10x at retirement at my age. So basically my life can be very comfortable as long as I stay the course. Statistically startups fail. I would be risking a very straightforward and very comfortable for the chance at a yacht. And I don’t dream of the yacht.