Grow Your Impact, Income & Influence

From Confusion to Clarity: Steve Short & Mark Schlipman’s Simple Wealth Code

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Ever feel like “investing” is code for confusion? This episode gives you a simple, step-by-step wealth plan you can actually follow—no jargon, no hype. If financial freedom, retirement planning, and 401(k) strategies have felt out of reach, this is your on-ramp.

 
💡 The Simple Roadmap That Actually Works
  • Save 20% using their flipped 50/20/30 budgeting rule and automate it.
    • Build three “buckets”: 0–2 years (emergency fund), 2–5 years (near-term goals), 5+ years (stock market). Emergency fund target: 3–6 months of expenses.
      • View market dips as “flash sales,” not failures—long-term stock market returns have averaged about 10% annually.
        •  
        📈 Stay Invested: The Data That Kills Market-Timing

        Schwab’s 20-year analysis shows investing immediately earned 92% of “perfect timing”—and crushed procrastination. Translation: time in the market beats timing the market.

         
        🧰 Quick Wins You Can Use Today
        • Max your 401(k) match: common formula = 100% on 3% + 50% on next 2% (effective 4% extra); overall average employer contribution ~4.8%.
          • Start with 2–5% if 20% feels big; automate increases.
            • Use dollar-cost averaging to reduce stress and build consistent savings with a fiduciary advisor mindset guiding decisions.

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              If you're interested in this, here's a link to their book: www.simpleroadbook.com

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              Grow Your Impact, Income & InfluenceBy Steve Werner
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