In investing, we generally assume things are priced correctl...

In investing, we generally assume things are priced correctly in public markets. You are simply paying for different types of risk that are appropriate for your desired return, time to liquidity, when you engage in public markets.

Have $100 in a RH account and want it to go to the moon? Shitcoins are appropriate.

Want your $2,000 invested evenly over your career to turn into a nest egg for when you retire? Just VOO/VTI that shit. Target date funds are great if you want to be totally hands-off to retirement. $Vanguard S&P 500 ETF(VOO.US)$ $Vanguard Total Stock Market ETF(VTI.US)$