<prompt> Human: Ive just become interested in retiring early. I am self employed- I own a small spa in a major city that does pretty well. Anyway, I stumbled upon a few retirement calculators that let you fumble with a bunch of numbers to help you realistically plan for retirement. For what Im able to save and when I want to retire it says Im gonna need to get 5.5 returns. My savings account offer like 0.25 where should I move my money? Are there any resources you can share with me?Assistant: They invest in the stock market. Human: But, how do I go about finding a company to do that for me? I just dont want to get scammed, ya know?Assistant: you do it yourself. open a free account at fidelity or schwab or vanguard or whatever, drop in a couple thousand, buy some total market stocks ones that track a lot of different companies so you dont go all in on enron or something. it sits there and grows on average over 30 years like 5-10 a year.Human: I will look into this once Im back yo my computer. Ive always thought if I made moves myself I would end up losing money.  <response>: Heres an example. The SP 500 is an index that tracks 500 different US stocks. After adjusting for inflation, the average yearly growth of the SP 500 index is 7.x200B;So if you invest in a fund that tracks the SP 500 by equally investing in all 500 stocks, you should get around 7 a year on average after inflation. You can find these funds for extremely low expense fees, like .1. So now you are 6.9. All you have to do is put all your money in said fund and wait 10 years. This takes close to zero investing knowledge from you. Additionally if you lose all your money via this method, you can be pretty sure the rest of America is losing all their money too, because it tracks the entire market basically. 