This week on episode 16 I want to revisit a two-part series on the nuts and bolts of our very simple investing strategy. I wrote these posts early in the history of this website, back in late 2018. We felt an investing strategy needed to be simple and lasting, so you might be surprised to learn how boring it all seems. But in this case, boring is good.

And like a simple investing strategy should be, it really hasn’t changed much. However, once we achieved financial independence and left our traditional jobs, we have made some minor changes to our plan. And I’ll share those changes with you today.

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Covered in this episode:

• The critical importance of spending less than we earn
• Investing vs savings
• A simple case study of how cash falls behind to price inflation
• The key elements of our investing strategy
• Investing psychology
• Asset allocation
• Our favorite funds
• The importance of automation
• How we handle home equity
• Whether or not to pay extra on a mortgage
• How our plan has changed
• So much more!

Investing Strategy Links:

Original Post: Part 1: The CC Family Investing Strategy: Philosophy and Asset Allocation

The S&P 500 through time

Expense Ratio & Fees: They’ll Hose You Big Time

Vanguard’s Total Stock Market Index Fund (VTSAX) details (no affiliation)