Our Mission
We believe that building wealth should be simple, accessible, and boring. Not boring in a bad way — boring in the way that compound interest quietly turns small, consistent investments into life-changing money while you're busy actually living your life.
VTI & Chill exists to cut through the noise. No stock picks. No market timing. No complicated options strategies. Just evidence-based, low-cost index investing — the approach that has been proven to outperform the vast majority of professional money managers over any meaningful time horizon.
Our Values
Simplicity First
Complexity is a tax. Every additional fund, strategy, or decision adds friction without guaranteed benefit. We start simple and only add complexity when the data demands it.
Evidence-Based
Every recommendation is backed by decades of academic research and real-world data. We cite our sources — primarily the work of Fama, French, JL Collins, and Paul Merriman.
Radically Transparent
We disclose all affiliate relationships. We're not paid by any fund company. When we recommend Avantis or Vanguard ETFs, it's because the data supports them — not because of sponsorship.
Community-Driven
Investing alone is hard. That's why we've built a community of like-minded investors who support each other through market ups and downs. You're never investing alone here.
Standing on Giants' Shoulders
VTI & Chill is deeply inspired by the public work of JL Collins (author of "The Simple Path to Wealth") and Paul Merriman (founder of the Merriman Financial Education Foundation). We also draw from the pioneering work of John Bogle, Eugene Fama, Kenneth French, and William Bernstein.
We are not affiliated with any of these individuals or organizations. We simply believe their evidence-based approach to investing is the most reliable path to building wealth, and we want to make it as accessible and actionable as possible.