A reader writes in:

Hi Trent, have you seen this article from Planet Money? This article makes a good case that a bubble is forming in the stock market based on the reduced influence of individual investors. The question is, where do you put the money if you’re already diversified with real estate, bonds and have a sizable emergency fund? I don’t know if set it and forget it index investing will be a smart move over then next decades…

Is Your Retirement Fund Ruining Our Economy? @ NPR Planet Money

So, let’s break down what the article is saying into some bite-sized pieces we can work with.

The article’s main point is that people who are putting money into their retirement savings are having weird effects on the overall economy.

In the past, investors would move money around from investment to investment based on how that particular type of investment was doing. So, if…

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