so I've been going down a rabbit hole lately trying to understand investing and honestly expenses keep coming up but I can't figure out if they actually matter that much?
like I get that expense ratios and fees exist, but do they actually eat into your returns in a noticeable way or is it one of those things people overthink?
and if they DO matter -how do you even calculate that? is there a simple way to see how much drag fees are putting on your portfolio over time?
would love to hear how you guys think about this. nothing too technical, just trying to get a feel for whether I should be losing sleep over this or not lol