Special note: My investment posts reflect my own analytical research and it is good practice to seek other competing analyses prior to making any investment decisions. I am not responsible for any decisions you make. If you don’t know what you’re doing with your finances, I highly recommend seeking a reputable financial advisor who can fit your needs (unfortunately, that cannot be me at this time). Financial advisors may seem expensive, but the cost of making an investment mistake can be disastrous—I’ve seen it happen to people from all backgrounds.