Larry M.
PFC is Awesome! Take the courses and do what he says!
I took the investing course and have started the money like a millionaire course. I love the way Jeremy teaches (enthusiasm, simple without simplifying away crucial information, emojis, sounds, nice charts, etc.). Also, I feel I can trust him (he's a millionaire, independently wealthy, no sponsors trying to take my money, he actually does what he suggests, etc.). I highly recommend these courses to everyone. I'm an engineer with a PhD, I've been investing for >10 years, and I still learned things. My brother going to school to be an accountant took these courses and learned things. They are very good courses. You should basically just learn from him and do what he says. With all of that said, two minor critiques: 1) Not all of the information is easily used by people outside of the US. He takes some time in the investing course for "international" students, to explain to them what they could do instead. But the course is heavily US focused. That makes sense, since he lives in the US. But, if you don't live here, then it'll be harder to implement. 2) While I absolutely LOVE the investing course and changed my investment strategy after watching his course to align more closely with his recommendations, I do have a complaint. I'm going to complain a bit, but I feel as though he did (nearly?) the right thing. I think his target audience is people who need to start investing or need to tweak, improve, or simplify their investing. And he does wonderfully at that. For a lot of people they need to be convinced that it's "safe" to invest. In my opinion, it's "safer" to invest than to put your money in a savings account. I say this because, for the vast majority of people, it is only by investing that it's possible to have enough money to retire comfortably. However, for those of us who are already invested, I think he oversells the stock market. There are very real uncertainties to investing. The US stock market, as measured by any composite index, has done mind-blowingly-well over the past 200 years. But, looking at the entire history of our species' existence on this planet, the US is an anomaly. Exponential growth in finance isn't guaranteed by an immutable law of nature. Yes, it is very likely that we'll continue to do very well, but there's some chance that we won't. And, no, I'm not talking about the entire end of the world. I'm talking about what has happened in Japan for the past 40 years where they have had an essentially stagnant stock market for a very long time. I think the Japanese people are amazing. And it's no simple task to explain how this has happened to them for so long. It is possible for something like this to happen in the US. And one's mindset and investing strategy should take this into account.