<prompt> Human: Im concerned a large amount of their retirement is getting eaten by fees. Obviously I dont want to tell them theyre wrong and should change their strategy with no evidence. Rather, Id like to share information with them and let them make the call with their own money. From our initial conversations it just seems like they are unaware of passive investing as an option.  <response>: You can find lots of sites that calculate the math. A 1 ER will eat like a quarter of your returns over 30 years. 