A lot of people spend a lot of time thinking about their portfolio, and trying to get it just right. I think I'm more of a, "get in the market, keep the fees low, and you'll be fine." It's better to just try to solve for the most efficient risk-adjusted rate of return. And, the best way to do that is to get wide market exposure, keep your fees low, and not move your money around very much. And, then you should be mostly fine. And, if you're mostly fine and saving money, you'll be ahead of probably 95 percent of people.