Hi wealth pack, I am nearly done reading a great book written by the founder of Vanguard, Jack Bogle, about the benefits of investing in low cost index funds which is something the twins also recommend and he provides compelling evidence of this strategy outperforming active management and stock picking in the long term. This has been a much needed voice of reason as I construct my investment portfolio. I was able to get the ebook at my local public library free (coz am frugal like that 😜) but here is the link on Amazon for those who want to splurge $14.