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Some General Thoughts on Investing and Retirement

I'm starting to think I enjoy collecting these FINRA series licenses for fun or something. I did it with the Series 3 Commodities Futures exam a few years back. I studied for months, got the license, then immediately took a job at a financial tech startup building rules based trading technology (no pork bellies there). But hey, at least now I know how to calculate crack spreads :) This time around I got the Series 65 (Uniform Investment Advisor), but watch as I gravitate straight back to trading. I can't, though - I'm bound and determined to actually put this one to use as intended! Studying for the 65 did, however, get me thinking a lot about something that I already spend an inordinate amo