A Practical Guide to Tax-Efficient, Hands-Off Investing
Stop stressing over where to invest or when to rebalance. This free, step-by-step course shows you how to create a repeatable, hands-off wealth system across 401(k), Roth IRA, HSA, and taxable brokerage accounts — in under an hour a month.
9 practical lessons organized into 3 foundational chapters.
Understand the mindset behind building a system that grows your wealth with minimal effort — and why it works better than chasing hot stocks or perfect timing.
Learn the differences between 401(k)s, Roth IRAs, HSAs, and taxable accounts — and what role each one should play in your long-term strategy.
Learn how to make confident decisions about where each dollar goes by following a clear, prioritized hierarchy.
Learn how to automate your investments so you can build wealth consistently without daily management.
Create a repeatable flow where money moves from your paycheck to the right accounts — without needing your constant attention.
Unlock powerful tax-free growth strategies for high-income earners using Backdoor and Mega Backdoor Roth IRAs.
Build a diversified, low-cost index portfolio tailored to your risk tolerance and long-term financial independence goals.
Wire all your accounts together into a self-sustaining financial machine that runs in the background.
Build a monthly check-in routine to keep your finances running smoothly — even as your income, goals, and life change.
Put the lessons into practice with our exact broker click-by-click setup guides and calculators.
Step-by-step walkthrough to automate index funds & recurring ETF buys.
Configure automatic transfers and scheduled purchases in E*TRADE.
Calculate after-tax 401(k) limits and tax-free conversion headroom.
Model penalty-free withdrawals for early retirement before 59½.
Quick answers to common questions, technical edge cases, and tax rules.
Most investors complete the initial account configurations, bank linkages, and recurring schedules across 401(k), IRA, HSA, and brokerage accounts within 2 to 4 hours. Once configured, maintenance requires less than 30 minutes per month to verify cash flows.
We follow the classic tax-efficient hierarchy: (1) 401(k) up to employer match, (2) Health Savings Account (HSA) max, (3) Backdoor Roth IRA max, (4) Mega Backdoor Roth 401(k) or traditional 401(k) max, and (5) Taxable brokerage account for liquidity and medium-term wealth goals.
Yes. While having accounts consolidated at a single custodian (like Fidelity) simplifies dashboard tracking, the mechanics work across Fidelity, Vanguard, Schwab, E*TRADE, or Robinhood by utilizing automated ACH pull schedules.
No. The curriculum strictly advocates broad-market, low-cost index funds and ETFs (such as VTI, VOO, and FZROX). Passive indexing removes stock-picking anxiety and fees while systematically capturing global economic growth.
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