• Links
  • bogleheads forum
  • etf comparision

  • 4% rule

  • Advice / Investing principles

  • Live below your means - do not allow lifestyle inflation to outpace your income
  • Never bear too much or too little risk - balance ambition with security
  • Invest early and often - Compound interest is the eighth wonder of the world
  • Never try to time the market - stay invested and let time work for you
  • Stay the course - commit to your plan through market highs and lows
  • Be greedy when others are fearful and fearful when others are greedy - Warren buffet
  • Simplify your life
    • "Any darn fool can make something complex. It takes a genius to make something simple." – Pete seeger
    • declutter
    • embrace minimalism
  • Avoid reading news especially clickbaity and fear-inducing ones
  • DCA - Dollar cost averaging - invest steadily over time, regardless of market conditions

  • Invest in your health

  • Order of investments should approximately follow:

  • 401k match

  • Health savings account (if HDHP is used), LPFSA
  • 401k pretax
  • 401K aftertax
  • Roth IRA
  • Medium interest debt
  • 529
  • Taxable investment

  • Low interest debt

  • Three fund portolio

  • VTI, BND, VXUS

  • Do not invest in the low volume stocks/etfs, since they have higher spreads cost.

  • Choose low-expense funds.