Do you buy VG MF or ETF ?

[NewToEverything]

Thanks OldShooter and RB about the calculations and the Dinkytown calculators. Now I understand how to get an idea about the impact of the ER in the next few years as we save more to invest.

OK grasshopper thanks for the confirmation - sounds like ETF is just like what the article says that they figured out a way to avoid CG.