<prompt> Human: Dave at it again on why Mutual Funds are better than Index Funds. Starts out the episode saying that most mutual funds dont outperform Index Funds, but some do, and that is why you need a financial adviser to help you win the superbowl. - Dave states he made 1.4 more with mutual funds than the SP 500 returned over the last 30 years - Dave, back your fees out vs VTSAX. Honestly, I love you Dave. You do so much good for so many. I dont even blanketly disagree that most of your listeners need an investment guy. Why? Because they need one to make them invest and to talk them off of the edge of the cliff in 2008. NOT TO HELP THEM PICK STOCKS WITH HIGHER FEES TO PAD THEIR POCKETS.  <response>: Active Mutual Fund that outperforms Index - fees Net loss 