It sounds like your road to the present day was filled with much 'learning the hard way' as was mine. Thank you for sharing. I too now believe the best person to manage my retirement funds is me.
If I may ask, how did you evolve, or discover, your current charting method using M65 as a trend indicator, and M5, and M3 as trading indicators? It seems simple. Elegant. Don't get me wrong, this is not a criticism. I am well aware it takes a lot of time and work to make something complex work and appear simple. I like simple very much.
I have used it these past few days to evaluate 'what if's' on various individual stocks, mutual funds, and ETF's, and it seems to work well.
My posts are my opinion. Always trade at your own risk.