Sometimes the dumbest things holds you back.

It’s all mental.

Here’s my example: For years I never touched my Roth IRA.

I could have saved on the expense ratio of the mutual fund I held by switching to an m ETF (both were tracking S&P 500 index) but that would change my cost basis. In a Roth that doesn’t matter at all, I knew it, but I stopped myself because I didn’t want to lose the low cost basis. The pretty green numbers.

Letting go for some is hard, it is for me, so I work on improving that often.

#gn #grownostr