The information from Charles & Payne's Education classes has helped control the amount of buy in. What to look for and when to get out. This is my second year with Charle's. I'm sure some people have done better and some worse. Joined end of 2022 -no sales, 2023 6.44% / 2024 7.59 % so far this year. Better than a savings account. This is change added to my other accounts. Play money to travel. Yes, I am retired since 2016. Started in 1982 with mutual funds. I have been through a couple of Crashes. RIDE them OUT. BUY if you can. I tell people to get in....just start an account, even if $10. It adds up! My youngest at 38 is already at 1.5M+