Earning an MBA with a concentration in finance in my early twenties convinced me that returns were too unpredictable to invest heavily in the market. With the exception of maxing out annual retirement plans, I focused my efforts and resources in founding a professional services firm and investing in real estate. Both paid off handsomely and I sold my consulting firm and retired to the Caribbean at 35. As I approach 50, I still believe that the market is a poor substitute for entrepreneurship but am no longer interested in working the hours required or dealing with the stress of running my own firm. Needing 'something to do' with excess cash led me to invest 10% of my net worth in stocks beginning in 2014. I now manage funds in the low seven-figure range for a small group of acquaintances.