I work many hours, am 50, raising 2 kids, spend much time learning about dividend stocks. I originally had half of our money in an annuity which had lackluster results. After I learned that the salesperson was only interested in getting a large load(commission), we transferred the money into a fee based service which invested our money in mutual funds. When I learned that the 1% fee was being subtracted from our earnings, and that there were expense ratios being charged by the mutual funds, I again transferred our money into an IRA. Ever since then, I have been investing our money myself in individual stocks that pay dividends. I have DGI stocks, E-REITs, M-REITs, and BDCs. All of my investing success is due to the books I've read, the articles posted to SA, as well as many great posted comments from other investors. I started investing in stocks in 2013 so I am still learning. Thankfully SA was created, because the information on this site is extremely valuable. I am extremely thankful for those who write the articles on SA. But just as important, are the many knowledgeable people who post comments to share their knowledge and insights. That is where I learn the most. When people have added to the value of an article by posting intelligent point of views that differ from my own, I start to really think from a different place than where I started from.