Automate Your Wealth
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.
Download the Automated Wealth Waterfall Flowchart
The 1-page visual order of operations to automate your dollars across 401(k), HSA, Roth IRA, and taxable brokerage accounts.
- ✓ 7-tier tax-advantaged account waterfall
- ✓ Automated recurring bank transfer schedule
- ✓ Set-it-and-forget-it portfolio rebalance rules
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Course Syllabus & Lesson Roadmap
9 practical lessons organized into 3 foundational chapters.
Build Your Foundation
What “Automating Your Wealth” Actually Means
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.
Key Account Types Explained
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.
Prioritizing Where Your Dollars Go
Learn how to make confident decisions about where each dollar goes by following a clear, prioritized hierarchy.
Set Up the Engine
Setting Up Auto-Investing
Learn how to automate your investments so you can build wealth consistently without daily management.
Designing a Monthly Money Flow System
Create a repeatable flow where money moves from your paycheck to the right accounts — without needing your constant attention.
Backdoor & Mega Backdoor Roths
Unlock powerful tax-free growth strategies for high-income earners using Backdoor and Mega Backdoor Roth IRAs.
Maintain and Optimize
Choosing a Simple, Effective Portfolio
Build a diversified, low-cost index portfolio tailored to your risk tolerance and long-term financial independence goals.
Letting Automation Do the Heavy Lifting
Wire all your accounts together into a self-sustaining financial machine that runs in the background.
Maintaining Your System in 1 Hour a Month
Build a monthly check-in routine to keep your finances running smoothly — even as your income, goals, and life change.
Step-by-Step Broker Guides & Interactive Tools
Put the lessons into practice with our exact broker click-by-click setup guides and calculators.
Fidelity Auto-Investing
Step-by-step walkthrough to automate index funds & recurring ETF buys.
E*TRADE Auto-Investing
Configure automatic transfers and scheduled purchases in E*TRADE.
Mega Backdoor Roth
Calculate after-tax 401(k) limits and tax-free conversion headroom.
Roth Conversion Ladder
Model penalty-free withdrawals for early retirement before 59½.
Frequently Asked Questions
Quick answers to common questions, technical edge cases, and tax rules.
How long does it take to implement this automated wealth system?
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.
What account order should I prioritize when automating dollars?
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.
Can I automate this system across different brokerage firms?
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.
Does this course require picking individual stocks?
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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