It's officially off season. Signing day has come and gone, Basketball sucks, and Baseball has yet to begin. I've really enjoyed some of the off-topic discussions on this board over the years, and I thought this would be an interesting discussion that I've never seen discussed on killerfrogs, and could even be a good learning opportunity for many on here, including myself. Very broad talking point here, but high level I'm curious how folks on here invest their money. Do you actively buy and sell stocks through an online brokerage group? Do you take a more passive approach and buy low cost ETF or Index Funds? Do you pay an investment professional to handle everything for you? What's been your experience with this? Does it seem to be a good value? Do you prioritize tax advantage retirement accounts or invest outside of them for the benefit of liquidity? Any real estate investors? Rental properties or commercial properties? Any alternative investments you've done in the past or are currently involved in that you'd feel comfortable discussing? What was your experience with these? How has your investment strategy changed over the years? What are mistakes you've made, things you've done right, and overall good lessons you've learned? How do you approach today's market after such a long run? For me personally, even though I studied finance and real estate at TCU, I don't really partake in any active investing that requires effort on my part. I've used a robo-advisor called Wealthfront since I graduated in 2014 that I contribute to regularly. I have a risk score that was determined based on my age and risk tolerance that decides how my funds are allocated accordingly. Their premise is rooted in passive investing built around a globally diversified portfolio of low cost index funds. The system automatically adjusts my portfolio to ensure it stays balanced, and it automatically uses tax-loss harvesting to minimize my tax burden on non-retirement accounts. To me it's an extremely compelling strategy that I've been extremely pleased with over the last 6 years, and it requires essentially zero effort on my part. Otherwise, I'm very conservative in nature and probably carry more cash than I should. Anyway. Fire away. Would love to hear the thoughts of others, especially those that have done more life than me and have better wisdom and perspective.