Sure the microwave trick works but is a 4 hour swing really that big a deal? I've baked in a cold kitchen and a warm one and the bread still comes out fine, just takes longer and I plan for it. Feels like people chase perfect proof times when the dough will tell you when it's ready if you just watch it.

$140 over 18 months on 8 grand is about 1.2% a year, which doesn't sound like much until you run it out 20 years and realize you handed them a used car. The math isn't close, plain ETFs at a bank would've cost you maybe a third of that. The convenience thing is real though, some people will never rebalance on their own and a robo at least keeps them from doing something way dumber. But if you set a calendar reminder twice a year for 15 minutes you can do this yourself and keep the money. The fee drag is the whole ballgame, it's the one thing you actually control.