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Playing an instrument
Really?
strongly disagree with "learning an instrument". I wasted lots of time on that. The costs are high, and all the benefits are either dubious or can be more cheaply obtained through other means.
At least for classical instruments, getting good enough to not embarrass yourself is quite expensive, both monetarily (equipment, teachers) and in terms of time. At >1k hours of practice and ~$10k invested, I'm just barely good enough to get paying gigs (which I'd lose in a second if the people paying me knew anyone who'd attended conservatory).
How is playing an instrument a big win, and how is it not much effort? (I'm assuming it involves not learning a classical instrument.)
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If you are not rich nor an expert on financial markets how are you supposed to identify a good financial adviser? I would be very suspicious of any adviser who placed such a low value on his time that it was profitable for him to have me as a client.
Part of my hope with this paper is that it would provide readers with the means of determining whether a financial professional is articulating a reasonable investment approach vs. the meaningless fluff that is typically touted if they are willing and able to engage an advisor. If you don't wish to use an advisor or don't have enough funds to make it worth one's time then going the Vanguard route is probably best.
DFA has a Find an Advisor feature which may be a good starting point for those looking for an advisor. Any advisor approved to use DFA funds will be familiar with the logic of efficient markets and factor premiums. Looking for a CFP or CFA designation is probably a good idea as well. Obviously I think I'm good and am happy to talk to people privately if they are interested.