However, I do see human irrationality playing a big part in the markets of recent years. That includes not only equities, but assets like real estate, bonds, crypto. And further, that uniquely human ingredient compounds the difficulty of determining where true value exists and where’s there’s mostly fluff.

The F.A.A. also argues that it was excluded from decisions about 5G. In 2020, the F.A.A. administrator, Stephen Dixon, prepared a letter to ... the F.C.C., expressing concerns about 5G interference, but the letter was not passed along by ... the acting director of the Commerce Department’s National Telecommunications and Information Administration.
Larry Kudlow, who headed President Donald Trump’s National Economic Council, even bragged about blowing off the F.A.A., saying on his Fox Business show, “We ignored them because the science said don’t worry about it.” He added later, “We actually fought the F.A.A. and we won.”
It appears now that the Trump administration won the battle but not the war. One result of the extended conflict between the F.C.C. and the F.A.A. is that even now, nearly a year after the spectrum for 5G was auctioned off, the F.A.A. is still at the stage of information-gathering as it moves toward eventually issuing new requirements for radar altimeters. It is likely to take five years for all altimeters to be upgraded.

"Mutual fund providers have an obligation to clearly and accurately convey the strategies and risks of the products they sell,” said Robert Khuzami, Director of the SEC’s Division of Enforcement. “Candor, not wishful thinking, should drive communications with investors, particularly during times of market stress.”

I agree with @wxman123 to the extent than the early investors in ARKK did very well. Wonder how many piled in a year ago, however?

I moved our TRP accounts to Fidelity last year due to declining customer service. We had invested with TRP for about 30 years. I would have moved sooner but was holding out on the chance that PRWCX would open to new investors again, but finally decided it was wasn’t worth it. We still have money invested in a number of TRP funds, but they are housed in my Fidelity account and I may switch some of the TRP funds to other options.

NOTE: perhaps I do not understand the meaning of your statement.

I would like to have the freedom to buy and sell in small bunches for profit without triggering additional IRA withdrawals

If one has a large enough positive total return(s) in an IRA during a calendar year, then the total increased value of the IRA would cause your required RMD to be larger. You can have 20 trades or whatever in an IRA and may or may not have any profit in a calendar year. The trades would NOT trigger a withdrawal; as this activity is within a tax sheltered account.
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Hey, @catch22
I wasn't very clear. I just meant to say that I like the system I've come up with: take a habitual, annual, single chunk from the T-IRA, making sure to keep it small enough so that I will continue not to have to owe any federal tax at all. It's been that way for several years. And Hawaii will give me a pretty decent renter's credit, too. In addition, just to keep things separate and neat and trim and segregated, I want the freedom to play with some money in a taxable account----- even though I will owe no tax, since the amounts will be miniscule.
@hank, that's great to know, too.
@stayCalm, glad for that assurance, also!
I see @tarwheel has chimed in. I'll go read that one now.