ESG is Hard to Do

Investing "responsibly" is harder to do it might appear. What makes a compmnay environmentally or socially responsible? Does everyone agree with your definition? You know they don't. These terms elude a business definition and even a sonsensus opinion.
Then we take questions:

Is there a downside with saving with Bread Financial or other high-yield savings providers?

What should be done with a "friend" who is pitching overfunded whole life as a retirement investment?

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