I am a retired surgeon and have been investing my own money for 35 or so years. I played rhe mutual fund game for most of that time and took my lumps with everyone else . As I neared retirement, I realized that I had no faith in MPT and began to search for something else. I found SA several years ago and have been a regular reader ever since. I have been around since the days of "NotBob," "JustSayin," "YoYoMama," " Tweedn" and others that I can"t remember. Through the contributions of these folks and those who have come along since, I have been totally converted to DGI. Some might say I have been a lurker, but I prefer to think of myself as a learner.