<prompt> Human: I have a rollover IRA and a 401k with which I get little to no mutual fund balancing advice. Ive wanted to understand how to balance my retirement portfolio for a while. I just finished watching the introductory videos on the Bogleheads wiki, which I know many around rpf choose as their investment strategy. Sounds good, I think Ive got a good grasp on the benefits of this strategy and I think Im ready to find a mix of index funds and bonds that meet the low cost goals. For the sake of playing devils advocate, why WOULDNT someone follow the Boglehead approach? For those of you who know the three fund, low cost index fund bonds strategy, and have chosen to do something different, why?  <response>: 1. People like to think they have a system that can beat conventional wisdom. Its why business is booming in Vegas.2. People dont know any better. Same reason why theres title loan places on every street corner in some neighborhoods. 