The premise of investing is simple: invest in great businesses at a fair price.

Naturally, we've taken this simple premise and over complicated it. People have options to invest in individual stocks, index funds, mutual funds, calls, puts, ETFs, you name it.

(Even worse, the financial industry using this complexity to prey on the Boomer generation's wealth by spreading their money across these complicated vehicles just to collect fees with each transaction. But that's a rant for another day.)

I've realized humans have once again made easy things difficult.

If you want to invest in U.S. companies broadly, just dollar cost average into an S&P 500 index fund. Nothing more.

Even simpler, though more work, invest in the stock of a few great companies at fair prices and sit on your ass, as Munger used to say. (This is my preferred method, and my portfolio comprises seven businesses.)

No need to diversify into ETFs, calls, puts, mutual funds, this thing, and that thing. Just keep it simple.

And this simplicity makes investing much easier: You pay less to brokers. You listen to less nonsense. And if it works, the governmental tax system gives you an extra 1, 2 or 3 percentage points per annum compounded.

Fight the urge to make easy things difficult, and just enjoy easy instead.