I told Rebecca of UOB that investment analysis is an obsession among some friends I reconnected recently. I think analysis on big investment decisions (200k+) is legit.

I think my biggest tcosts and worst ROTI was in stock/FSM.

I told Rebecca that health and career longevitiy (job security) are more important.
I guess the underlying message was — my wealth planning job is basically done. Note “wealth” can be a modest amount. like 50k

In response to my bold claims, Rebecca pointed out most of the spare cash can (had better be) invested, leaving only some contingency reserve in the bank account earning 2%.

I feel the classic example is Kun.h. He seems to overanalyze until he couldn’t take any action.

— teach .. If you intend sell training or advisory service then yes ROTI is justified.