I'm so glad you're with us here on the Clark Howard Show.

You know, our mission is to serve you with advice and information that empowers you,

so you make better financial decisions in your life coming up straight ahead.

We are in the strangest time when you are trying to build financial

security for your future. Expenses of investing are the lowest they've ever been on one hand.

At the same time, we face enormously high expenses and other choices we could make with investing.

I want to tell you what to watch out for.

And then coming up later, AI is talked about all the time.

And a lot of it is scary.

A lot of it's possibly true. and then some of it is scare lines.

But one area where AI is going to play a bigger role is in healthcare, including what role

AI may have in you trying to self-diagnose.

I'll talk about that later.

So with investing, it's amazing how much cheaper it is.

When I first became an investor, well, way long ago in the 1970s, the cost of investing was crazy high,

pretty much not even, you can't even come up with numbers to compare how expensive it was for you to buy a mutual fund, to buy stocks,

to do anything in the investing world back before the internet and back before the competition

that exists today for investing.

I was reading recently that Vanguard now has an average cost of its mutual funds

of six one hundredths of one percent, which is so cheap.

That's what they charge you over the course of a year to manage the money that you have

in that fund. That's so cheap that it's basically free. And speaking of free, Fidelity investments

...