Current conditions in the stock market have encouraged a significant increase in the number of individuals who actively trade in stock accounts. The major stock indices are at or near all-time highs following a long period of sustained rises, but, more importantly, financial news sites are full of stories of “mini meme stocks” that have shown returns in the hundreds of percentage points over short time periods. That leaves many people believing that they are missing out on an easy opportunity to make a lot of money. The evidence, however,…