My point is there are thousands of ways to handle your wallets, I don't think there will be one average way. The ETF is probably the equivalent of this "espres

My point is there are thousands of ways to handle your wallets, I don't think there will be one average way. The ETF is probably the equivalent of this "espresso style" k-cup https://www.keurig.com/Beverages/Dark-Roast/Espresso-Style-Coffee/p/espresso-style-coffee-cafe-bustelo-k-cup#24_CT https://www.keurig.com/Beverages/Dark-Roast/Espresso-Style-C...