You're in an enviable position, and have obviously identified what works for you.

> Making good interest on investments requires knowledge that the average person doesn't have.

This sort of is, and isn't, true. Investors today have access to incredibly inexpensive stock, bond, and asset allocation mutual funds and ETFs that require, at most, a couple of hours of research at the outset.

However, the average investor's returns tend to be much less than the returns of the investment funds they choose. How is this possible? Because the average investor tries to move in and out of specific investments (market timing) to maximize investing results, which 90% of the time reduces net results.