“Don't feel cheap. I didn't plan to get that, but then someone broke it and you told me how much it would cost to replace it on your own, So I pulled a few strings and took it upon myself to get it for you.”
The second piece of advice is, if you actually think you're a more capable investor and think you're able to know things other people don't know, and feel confident to going beyond passiveness--and, of course, passiveness is easy and cheap, you know.