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In this episode, I explain why I avoid mutual funds and choose ETFs for your investments—breaking down how mutual funds charge an average of 0.68% versus ETFs at 0.16%, plus additional fees like 12B1 marketing costs, load fees, and transaction costs that can add up to $47,000 in fees alone over 25 years on a $50,000 investment, all while providing zero conflicts of interest since I don't accept kickbacks from fund companies.