<prompt> Human: Been lurking for a while, and Ive learned a bunch through older posts and responses, the sidebar, and responses to some of my own posts. Thanks to everyone for providing thoughtful advice and suggestions. If only more people were this helpful in person real life. Thanks guys.  <response>: This place has helped me move from someone who felt like a helpless moron when it came to personal finance, to someone who has a firm grasp on my finances and future. I read here pretty much every single day and always learn something new. 