Sadly, we are investing ourselves into the poorhouse. Tragically, everyday, without any understanding how markets work, we hand over our life savings to people we will never meet, are kept in the dark about what is being done with our money, are never given the opportunity to see if what is being done with our actually works, and poof! Our American Dream goes up in smoke. Anywhere from 25 to 40 years of our blood, sweat, and tears, dies a slow, yet inevitable death.