The article discusses a new way to decide how to invest money based on personal preferences. It looks at different types of investments and how they can be affected by rules and limitations. By analyzing real data, the researchers found that a simple, equally weighted portfolio can be a good choice for most people, even if they don't like taking big risks. They also discovered that the popular S&P 500 index may not always be the best investment option, but the potential loss is usually small.