Not so long ago, in a city not so far away… I spent a fair amount of time picking stocks and trying to beat the market. I will be honest, I was pretty good at it. However, the time and effort it took did not always justify the effort. Over time, I have moved more toward investing in ETFs and mutual funds so I don’t have to worry as much about my money. With that change, though, came new costs and fees that I have to manage.