I have empathy for grandma. The portfolio advice she has followed her whole life, which probably worked well, is now obsolete. And since change is hard and scary, and even more so when tech is involved, she isgoi

I have no empathy for grandson who should know better and can do better. Leaving a bulk of ones assets in a custodial platform that closes on the weekends means he is structurally set up to be on the wrong side of FOMO.