As I said in my post, it's certainly not good advice.

"There will be lots of people advising you against this, and that's absolutely correct."

It's merely a personal tale of what works for me. I'm not a financial advisor, and I am not here to teach nor preach.

I think your points about expenses as a ratio vs your investment principal and/or investment yield is a good way to view the magnitude of expenses.

Your concentrated stock exposure requires someone to be a professional trader, which generally speaking is a losing game for most of us.

Aware of this. I'm not inexperienced, just skeptical of some modern investments.