You are just having them spend money in an attempt to trade realized tax deferred liability into tax deferred liability.It depends on what they need/want. 

Most folks realizes they will make much more money in their early 20's working a trade. Real

I've built the majority of my wealth as a trader and investor of stocks.

Adding all those wealth creators together your overall return is far greater than investing in the market unless you're the world's greatest trader. 

Bond traders are taking a few nibbles of the 10 yr treasuries, but nothing dramatic.

This, coupled with the ADP data is giving traders reason to bet that Friday's Non-Farm Payrolls will be better than expected and potentially give the Fed enough data to start tapering on Sept 18th.

Lack of financial acumenI wonder what percentage get into real estate with little to no money and spent most of it on a guru course - it’s no different then people who want to be a day trader or crypto miner or Amazon business.

Market participants are waiting to see what inflation will portend for the month of March, including bond traders who are staying away from the 2 and 10 yr.

It appears the bond market continues to call BS, remaining dubious that inflation will come down rapidly (or potential labor market weakening).And those traders may be right, at least for now.Fed Fund futures are now pricing in ~4 rate cuts in 2024, down from 6+, which it has fluctuated around the past few months.

I'm very knowledgeable but for the past 3 years I've spent all my time being a full time day trader.