if people are too stupid or too lazy to invest the time and energy to "actively" manage their moneyI wish folks would not disparage the significant majority of Americans that don't have the skill or time to manage their own investments. That does not make them stupid or lazy.Do you rotate your own tires? Do you change your own oil? You might save more money if you did so but I don't think it makes you stupid or lazy if you decide to take it to a shop and have them do it for you.I applaud your ability and skill at actively managing your own money. I wish everyone had the free time and the knowledge to do so.
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