Another option is to actually learn how to become a better investor and work hard to make your retirement stash grow at a rate higher than the 7% to 10% annually that you might expect from a index fund or with a financial advisor.

FORBES: Learn To Invest Smarter Or Look Forward To Becoming A Wal-Mart Greeter

Delegge is a veteran radio host of the Index Investing Show and a former financial advisor.

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Imagine a room packed with people who have gathered to hear an advisor discuss the many benefits of index fund investing.

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