As long as I can remember, I’ve externalized my todos.
Starting with a humble list on a piece of paper, I’ve dabbled with Getting Things Done, Hipster PDAs, Zen to Done, Bullet Journals, and other systems.
Along the way, I’ve tailored and tweaked, looking for just enough structure, preferring pen…
I would look at high expense ration active funds as the gambling that they are. If you have money to loose and want to step up to the gambling table go for it. You might even get lucky! Of course, the house (fund managers) always win though.
If you are looking for something that has a higher success rate then I would stick with my recommendations. To be clear though, there is plenty of room for risk taking within index funds f that is your aim. You do that by by weighing heavily towards stocks.
For instance, the vanguard 2065 target date fund is 90% stocks and 10% bonds right now. You can read a quick overview of risk/return and asset allocation here:
https://www.bogleheads.org/wiki/Asset_allocation#Impact_of_asset_allocation_on_risk_and_return
Thanks for the response! I use the built in Night Shift functionality for that now. https://support.apple.com/en-us/HT207513
