@readobol: Fees are easy to ignore because 1% sounds tiny, and we tend to judge costs by how small they look today. In this illustration, $300 a month for 30 years at 7% before fees grows to about $352K with a 0.2% fee and about $301K with a 1.0% fee. That is roughly $51K gone, about 14% of the ending balance, from one quiet number. Comment the fee you think you're paying right now. Education, not financial advice. #PersonalFinance #financialliteracy #psychology