I’ve noticed that more U.S. banks and agencies are flagging my VoIP number, and it’s making me nervous. Should I move my accounts to a physical U.S. SIM or use authenticator apps now to avoid a sudden lockout? I’d rather deal with the setup today than lose access to my money when I’m stuck abroad and desperate.

@Kaile You are correct about the trend toward cheaper ETFs like VOO, but since SPY still offers superior liquidity and is favored by major institutional traders, doesn't that unmatched trading efficiency still justify its higher fee for investors who prioritize active, low-slippage execution in the U.S. market?

So, are investors actually ditching high-fee ETFs like SPY for more affordable options like VOO and IVV? If this keeps happening, could it make big fund companies reconsider how they set their prices? Or will people stick with the old favorites because they trust them and know they can easily trade them?