I am not "lots of people." I have no interest in being "lots of people," or in proving myself to strangers on the internet.

I cannot convey 50 years of my financial life, experience, and history into what fits in an internet post. Anyone who can probably has a very narrow view of finance. I can say that I know how to manage my finances, and my accountant agrees with my methods and track record.

But if you think Reddit is the route to financial literacy, I can understand why you don't understand.