I think most people know that Vanguard has lower expense ratios than Fidelity. What you give up are products and excellent customer service that some of us find

I think most people know that Vanguard has lower expense ratios than Fidelity. What you give up are products and excellent customer service that some of us find worth paying a bit more for. I don't use an MMF as an investment vehicle. It holds my daily cash. I can't use Vanguard for that sort of thing, so it's not an apples-to-apples comparison. Excess cash (e.g. emergency fund) is in an auto-roll 4-week treasury ladder. I was previously a Vanguard customer. It's not like I don't have experience with both Vanguard and Fidelity. I understand the trade-offs.