How do you manage money?
patio11: Read a Random Walk Down Wall Street, give up, and put it in an index fund.You would naively assume that actively managed money has a higher return than passively managed money.  This is pretty much the exact opposite of the truth, especially for small investors (and if you're at mid six figures, you're small).  Your transaction costs and all the time you spend managing your money come straight out of the profits, and there aren't guaranteed to be any profits for them to come out of.  (Many people might spend, say, two hours a week managing their investments.  That is probably in excess of $10k at your implied wages, or like 2 ~ 4% of your portfolio.  Throw in another 2% for transaction costs and you have to clobber the market average to do as well as just putting it in a low-fee Vanguard total market index fund and forgetting about it.)