Jim and Margaret are back for another podcast on the American Dream! This episode centers around something was hinted at last episode: returns on investment and in particular, the meager returns of the average equity investor.

Margaret demystifies the reasons why ROI for equity investors is only about 3.5%-4.0%, the turnover rate that accompanies internal stock trading, dissimilar correlation, the three-factor model, and more.

Most of all, Jim and Margaret want to remind you that your American Dream is achievable! And as Margaret likes to say, it’s a global dream for everyone, that education, training, and the right investing practices can unlock.