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Wow, thank you!

I appreciate such a detailed answer. You seem to be a knowledgeable person so I hope you don't mind if I ask you another question. I was wondering if you have an opinion regarding ETFs versus dollar cost averaging an index fund. I've been reading up on the two and I am still not sure which one I would get the most benefit from, being an investor of limited resources, virtually unlimited time, and not exactly in need of liquidity (i am looking in to CDs).
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