Why Invest at All?
Inflation erodes cash. Compound growth builds wealth. Understand why doing nothing is the riskiest choice.
Index Funds 101
What index funds are, how cap-weighting works, why they beat most active managers, and how fees compound against you.
The VTI & Chill Portfolio
JL Collins' single-fund approach: buy VTSAX/VTI, contribute consistently, and hold forever. The ultimate simplicity.
Leveling Up: Factor Tilts
Paul Merriman's research on size and value premiums. Why small-cap value added $2.2M over 55 years. Good → Better → Best.
Bonds & the Glide Path
When and how to add bonds for stability. VBTLX/BND as a deflation hedge. The transition from accumulation to preservation.
Tax Optimization
Roth conversion ladders, asset location (which funds in 401k vs. Roth vs. taxable), and tax-loss harvesting strategies.
Behavioral Mastery
Staying the course in bear markets. Why most investors underperform. Building the mental framework for long-term success.
Unlock All Modules
Get full access to all 7 modules, quizzes, certificates, and the interactive Portfolio Builder with a Chill Pass membership.