Probably has to do with the investments themselves. You may not be personally ‘picking’ the investments, however, most target funds include investments that have such investments. Source: wife works at a financial institution. Also I’m drinking so Google it ontop of it or something.
Edit* Also totally shouldn’t count.
In my experience over the last two years hotels are either same price OR less expensive due to AirBnBs bait and switch pricing. The taxes, cleaning fees, and random add ons are absurd.
In a recent example, staying at some Yurt for three days was $248. After taxes and fees it was around $515. Like wtf?!
I’m at the point where even if the pricing was flat, a hotel is 10X less hassle to deal with than AirBnB.