Whenever I’m at a party with strangers, the inevitable “What do you do for a living?” question comes up. When I say I’m a financial advisor (or financial planner), the next question is always “What’s a good stock I should buy?” Or, “Do you like Tesla and Netflix stock?”

These questions are great, but I’m not in the stock tip business. Instead, I like asking my new acquaintances some personal finance questions to see if it even makes sense for them to invest in individual stocks.

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