@F.I.R.E User
are you the same user "Vanguard User" on bogleheads? The user with the thread that was recently locked?
He obviously is the same guy, which is fine, a lot of us jump between forums as we get different things out them. But between the two forums, he has received many hundreds of thoughtful replies to his repetitive, thought-free questions.
After wearing out this forum a couple months ago, he apparently discovered Bogleheads and went over there and asked the same questions over and over until their aggressive moderation locked his threads. I encourage him to go back through all the threads both here and there and actually read the replies and the links. If he did, he would find he has already been given an encyclopedia of knowledge about finances.