Really enjoying your podcast! I’m currently bingeing my way through it now. I wanted to ask what your opinion was on paid subscription stock picking services? There are a few of these services around Australia, with one boasting a strong growth of around 18% per annum over the past 20 plus years. Obviously it will vary year from year but if these groups can help the average person get such good growth in the long-term why not follow what they say rather than just buying ETFs to get the market return and making the odd pick yourself?