Act Now - Protect Years of Growth

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📊DEEP DIVE

The Hidden 1% That Sucks Your Wealth Dry🧛

Picture this:
Two friends, Harold & Liam.

Both 36.

Both tossing $10k/year into ETFs.

Both rocking average 7% returns for 40 years.

But...

• High-fee Harold chooses "Brand Name ETF" with a 1% expense ratio (fancy!).

• Low-fee Liam goes "Boring Buffett" with a basic index ETF (fee: 0.03%).

The ending? Not close! 👇

Flash-forward to Age 76:

Low-fee Liam: Pocketing $2.12 MILLION.

High-fee Harold: Left with only $1.64 MILLION.

That's $480k... GONE. 

Not to market crashes. Not to villainous short-sellers. Just fees that sneakily munch your future.

The real crime? Harold's fees cost as much as a luxury vacation every year - but instead of traveling, that money just disappears.

🏆 Wait - Isn’t a 1% Fee Just Paying for Genius?

Cue the "But my fees buy me smarter managers!" defense.

Let's break it down:

Sure, a higher fee sounds like you're paying for VIP access to Big-Brain Money Managers™.

If someone charges more, they must have "the edge," right?

Just like $10 lattes must have gold dust.☕

But here's the Buffett (and decades of SPIVA data) reality check:

Most active funds, despite the high fees, lag behind simple index funds long-term.

If you're paying extra, make sure it's for real skill-not just a fancy label.

How To Actually Implement This (Quick Actionable Plan)⚡️

Go low-fee index.

Let the market do the work-save the "fun" picks for play money, not your future.

• Start with a quick ETF check-look for something like VTI, VOO, or VT (fees: so low, you'll need a microscope).

• Every 1% you keep = compounding magic.

Bonus: Use smarter tools to supercharge your skills, at work and with your money: