Cheska Valentino works in healthcare administration and migrated with her family to the US in 2004. She opened her Roth IRA at age 22 has been managing her portfolio since then. She prefers simple, passive investing provided by index funds. She has a strong interest in behavioral economics and why smart people often make bad financial mistakes. She enjoys talking to friends and colleagues about personal finance. She’s helped friends and colleagues open 401ks and select investments.