I'd suggest that you may have a problem if you have something you call "my play money account." Yesterday, I had some "play money" and I grabbed a Hershey Bar with it.
Funny thing: Sometimes I'll receive a big check and rather than worrying about it getting lost in the mail which almost never happens, I'll drive it to the nearby Fidelity office and siick it in my MM acct. Did that last month and when I returned home I had already gotten a call from a Fidelity adviser. There are some good brokers but many are scum. Many have virtually no experience and only the barest education needed to pass FINRA multiple choice tests. Don't like getting solicitation calls.
I've been reading that Vanguard and TR Price are suffering big withdrawals. Perhaps Fidelity is too. But my experience with Fidelity over several decades has been top notch.
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Because the Good Life is Just a Pump or Two Away