I’m 22 and currently have around $15k invested, mostly in VOO and QQQM. I contribute consistently and plan on holding long term. I keep hearing people say that if you want to become seriously wealthy, you need to pick individual stocks and that ETFs won’t get you there. I understand individual stocks have more upside, but I also don’t want to take unnecessary risk trying to find the “next NVIDIA” and potentially lose a large amount of money. For people who have been investing for a long time, di
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