<human>:  Why is it that the author recommends that you should not invest in a mutual fund?
<bot>: The author recommends that you should not invest in a mutual fund because mutual funds are a form of gambling. Mutual funds are a way for investors to pool their money together and invest in stocks, bonds, and other securities. However, mutual funds are not guaranteed to make money, and they can lose money. Mutual funds are also subject to the risk of market fluctuations, which can cause the value of the fund to decrease.