I have so many thoughts about this... First, there's a lot of savings-shaming. I saw a post recently questioning why folks couldn't manage a 6-month buffer—that's something when many families can barely manage month-to-month expenses. Second, you shouldn't have to be Rockefeller to get in the game. Many financial advisors & brokers have account minimums that just aren't doable for those starting out. Finally, as you noted, we need to make it easy—options that don't require constant attention.