Exciting news. We've reached the arrival of zero investing.

It's Brian Preston, the money guy, restoring order to your financial chaos, retirement,

investing, taxing. You've got financial questions. He's got financial answers.

It's Brian Preston, the money guy.

I know I sound like a nut job saying it that way.

If I could play like 2001 space Odyssey music on top of it, we would do it if we just didn't get in huge trouble

because you can't play as I found out at podcast movement.

We're in a new dimension. Something new has happened in the financial world.

We have crossed a threshold that I've actually, I'm going to take credit.

I've been talking about this for years that there's a price war that's been going on and we've been on this march towards zero.

And what I mean by this, I want to give you guys some perspective.

I've been managing money since the mid-90s.

When I came out of school, worked in public accounting and started managing money in the mid-90s,

the average internal expense ratio of mutual funds was around 1.5%.

That sounds high.

That sounds expensive now, doesn't it?

Yeah, you have to remember that if you stack on what the advisors make, the internal expense ratio and the trading fees.

Right.

The trading fees.

I mean, investing used to be so much more expensive.

We have gotten technology innovation and the straight up price war is making investing so much better for the average consumer.

And we are in the middle of it and it's so exciting.

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