Personal finance is like politics and religion. People live and die over doctrinal debates that too often take the discussion to polarizing ends and away from the root issues and optimal guidance.
Much of the debate in financial planning lies in the investment realm. Active versus passive. Individual securities versus funds. Funds versus ETFs. Traditional versus alternative. Diversification versus concentration. Evidence-based versus hot-shot manager. Three-factor versus five-factor versus fifty-factor investing.
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