[saryant]

When I got my first job after college I somehow stumbled upon Bogleheads.org after receiving an indecipherable 401k information packet and trying to figure out what to do. An invaluable resource, their wiki led me to the church of low-cost index funds.

And that's the story of how I realized my roommate had screwed me over when he convinced me to open a Roth IRA with him at Primerica with the money from my junior-year internship. >1.5% ER, 12b1 fee, front-load sales, the works.

He ended our friendship when I transferred the account to Vanguard.

[seanp2k2]

You don't need friends or funds like that :) I always recommend low-cost index funds to anyone who asks, even though I'm no pro investor. It just seems like a pretty obvious way to not miss out if the market moves without risking much more than anyone else if it tanks.