The most important investment decision you will make — and it is not which stock to buy.

In this episode we explain the difference between passive and active investing, why eighty percent of professional fund managers fail to beat the market over ten years, and what that means for your child's portfolio.

We tell the story of Warren Buffett's million dollar bet against the hedge fund industry — and what happened over the next ten years.

We introduce the S&P 500, explain what an index fund actually is, and make the case for why passive investing is the foundation of the engine we are building.

The choice is clear. The evidence is overwhelming. And it shapes everything that comes next.