<p>I have a older sis in Bay Area, who also was in tech, but now mortgage broker. An older bro (macro-micro economist) who used to work for Federal Reserve, NY and now works for major NYC bank. I am a generalist financial guy. </p>
<p>Calmom. Good for you. You are playing the game well. I don’t want to give anyone the impression that everyone is NOT playing the game well. I’m just saying that WE can all play better! I too am learning on this board’s thread, and consequently even with my training and family connections, I can eventually, play better.</p>
<p>We (siblings) are all financial consumers. Some of us play the game better than others, I want everyone to play the game better because this way (selfishly) I will utilmately pay less in taxes, be wealthier, and everyone (USA) will better off financially.</p>