If your idea of good financial planning is just putting all your money into $SPY and $QQQ and keeping it there until you need to start withdrawing from it, I fe

If your idea of good financial planning is just putting all your money into $SPY and $QQQ and keeping it there until you need to start withdrawing from it, I fear you're on a dangerous path. Acting as if the only decision is the right and pure choice of total index-fund investment and it all just works out after that is, I believe, wrong. Finance, how the markets work, things of this nature.. we do a poor job of educating people about it. The pension fund outsourced the job of understanding their investments, and I fear people do the same. Of course, this is controversial because... you know... knowledge is power, except finance, you can't know jack about finance... or something?