No question about it. The business model of TMF has largely become what it debunked as "The Wise" in its first few years. It went from "here's the information you need to do it yourself" to "here's the stuff we want to sell you because you can't do it without us."

I got an email from TMF today saying they discovered a black box that gives you a "71.962% chance at DOUBLING" the stock market return. That's three decimile places worth of accuracy. It sent onto say that those were the best investing odds in the entire universe! In your face investors on Alpha Centari!