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Cash & high-yield savings
Cash is an option on patience — when high nominal rates revive interest, and when inflation still wins.
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🧱Bonds as ballast
Bonds dampen equity storms and pay a yield — duration, credit and inflation decide whether they help.
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🌍Broad equity index
Owning the market’s productive capital cheaply — the default long-horizon compounding vehicle in modern advice.
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🤝Employer match
A match is an instant return on your contribution — often the highest “rate” available without market risk.
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🛟Emergency buffer
Months of expenses in boring liquidity — the boring pot that protects long compounding from forced sales.
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💳Debt payoff as return
Paying high-interest debt is a risk-free “return” equal to the rate you stop paying — often before chasing market compounding.
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🎯Target-date funds
One ticker that ages with you — glide paths, fees and whether defaults help or hide costs.
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