Intel could have conceivably competed with them there too. If they were still a competent business and not in a crisis of mismanagement. Its amazing how much better AMD is managed compared to Intel.

That is the downside, FZROX is only available to Fidelity customers. There’s also a potential risk it won’t track total market performance as well as predicted because one of the ways they keep the expense ratio at zero is by only purchasing what is supposed to be an equivalent subset of the total market to keep their transaction costs down. I don’t remember the specifics but I think they leave out lots of tiny companies and its not a significant risk because they couldn’t actually move the needle one way or the other.

If you have an account with Fidelity, FZROX should be a better choice than VTI. Unless you enjoy investing or want to really get into it, either do a target date fund for the easiest and lowest risk, or a total market fund like VTI, or an S&P500 fund like VOO. You really don’t need to overcomplicate beyond that, except to potentially start buying bonds when you are nearing retirement if you didn’t choose a target date fund.

What specifically are you invested in? That chart doesn’t look right if you are investing as you describe.

I get cold easier and my clothes keep getting looser but that’s about it. I don’t count calories so I’m not sure when exactly I’m running a deficit or for how long but I have been steadily losing weight. I was a few pounds into the overweight range when I decided to start losing weight, now I’m down at least 14% from my peak and basically right in the middle of the healthy weight range for my height. About a year ago I started eating less, and started only eating until I didn’t feel hungry, and significantly reduced my alcohol intake. Its about the laziest diet possible because I still eat whatever whenever and still drink regularly but the net result is I’m running a calorie deficit often enough to lose a fair amount of weight. It doesn’t really feel like anything, or it feels about the same as running a calorie surplus. I imagine if I was running a larger or more sustained deficit it might be unpleasant and feel like starving but a minor irregular deficit isn’t something I really notice.