its because politicians are completely almost criminally ignorant of the real costs of doing anything . until government starts playing hard ball with these companies and permanently black listing the ones that have massive cost overruns nothing is going to change . <| sep |> He ' s dead Jim <| sep |> Damn I ' m so fucking jealous <| sep |> I don ' t think he was a very good GM . I don ' t think many ex coaches make good GMs though . Great coach but mediocre General Manager <| sep |> If it was a month or two ago , then maybe . <| sep |> I think he ' s got some mods installed . If you ' ll notice , there ' s some red mushrooms on the ground , not to mention the mask he ' s wearing . I ' m pretty sure that mask is not in vanilla . <| sep |> I am worried about jumping into things like index funds and mutual funds because I am scared that I can make 1 wrong move and screw myself over really bad long term . It ' s really difficult to screw yourself over with an ETF . Look up Vanguard , pick an ETF that tracks the SP 500 or DOW or whatever , and throw X amount in there . Then throw Y and Z amount into two other ETFs . Since 2013 mine has returned 8 % average . This will go up and down over the short term , but if you don ' t need the money for anything soon , then you can ride it out . Your longerterm issue is that you seem to have no goals . What ' s your ideal endgame ? Wife , kids , house ? Traveling the world ? Retiring by your 40 s ? Living with your parents until they die , and then . the same ? Only you can decide what you want to do . A lot of people are suggesting you move out , but it ' s fine living at home if that ' s what you want to be doing andor it will help you towards your financial goals . Honestly , you should probably spend less time on thinking how you should invest your money , and start thinking more seriously about what you want to use your money for . Once you decide , the proper investment strategies will follow .