ETFs are the natural tool for the Three Paths investor because they allow investors to take charge of their finances and invest without the middleman. ETFs provide low-cost ways to access investment themes without all the fees of a mutual fund and are transparent and easy to use. Investors can get in and out of them easily. With this knowledge, individuals can use ETFs to navigate along the Three Paths of healthcare, green, and infrastructure, because each path has a number of ETFs available to the investor. Later in the book, we'll look at how to invest in each of the Three Paths areas using ETFs.