[marknutter]

I would argue the complexity is in finding the simplicity. It's very easy to get overwhelmed with all the contradictory advice and information out there and become paralyzed by the fear that you may be dumping months or even years of effort into a sub-optimal plan. You're not wrong about the answer actually being very simple, but it's important not to trivialize the difficulty in arriving at that conclusion for a lot of people (myself included).