DAVID KREINCES IS THE CHIEF INVESTMENT OFFICER OF ETF PORTFOLLIO MANAGEMENT, AND CREATOR OF INVESTMENTBENCHMARKS.COM  NOW BEFORE SOME OF YOU TUNE OUT AND SAY YOU HAVE NO MONEY TO INVEST, THERE IS A LOT YOU CAN LEARN FROM DAVID AS A CAREGIVER WHO IS CONCERNED ABOUT YOUR RETIREMENT, (I CAN JUST HEAR SOME PEOPLE SAYING, “YEA RIGHT, WHAT RETIREMENT!)