Long-time lurker; signed-up to ask the occasional question.

[Koolau]

We retire from our day-jobs and become as it were professional money managers.

Heh, heh, yes and I keep the 1% fee for assets under management! Don't know that I'm a better manager than a paid one, but two things are true: NO one is more concerned about my financial success than I am and I'm a lot cheaper than anyone I might hire to do the j*b.