How We Became Millionaires with Index Funds | Vanguard, Schwab, & Fidelity
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- เผยแพร่เมื่อ 16 พ.ย. 2019
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Our Rich Journey - How to Become a Millionaire with Index Funds | Vanguard, Schwab, & Fidelity: If you're familiar with our FIRE journey, you know that a large part of our FIRE success is due to investing in index funds. Several months ago, we did a video on VTSAX (a Vanguard index fund). We got so many questions from that video and so much interest in index funds, we decided to do an in-depth video on index funds. So . . . in this video, we dive more into our discussion on index fund investing. We talk about the history of the index fund, why the index funds was originally created back in 1975, we share index funds we invest in, and we share our top picks for index funds with Vanguard, Schwab, and Fidelity. Thanks for watching!
▸▸▸Check out some of our other videos!
Vanguard's VTSAX Index Fund: Our #1 Investment for Financial Independence Explained:
• Vanguard's VTSAX Index...
Music: bensound.com
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Hello, what book or books do you recommend about index fund investing?
This is What happens when you have 4 hands going after one GOAL. Some folks are against Marriage but a family who grinds together shines together.
100 percent spot on!!!
Two people that love each other are good to grind stuff, marriage has nothing to do with it.
illuminati g I don’t know if you’re young or read that on a social media meme. But LOVE has nothing to do with income. Those 2 things are totally different & have nothing to do with the other.
@@illuminatig622 indeed
Biblically based....great comment
Prime example of when a man and his wife come together and.......BUILD!!!!!
Marcus M. This is so true
PACIFIK
Yes, and you also have the nerve of some people rejecting marriage!!!! I’ll immediately point to this couple or another TH-cam channel called Black, Married, and Debt free and say how do you explain this, if marriage is so awful if marriage is against the man and only benefits the woman or black people shouldn’t be married.
PACIFIK
There is a direct correlation with marriage and wealth, marriage is a business and it is about dealing with others (your partner) and combining your resources to accomplish even greater things than can be done individually. This channel is all about NOT being the norm when you really think about it.
PACIFIK
With all due respect I choose not to carry on this topic, those that don’t or can’t deal in a meaningful and productive relationship can live their lives, and folks who choose to build and forge a strong marriage and family will not worry about how much of a outlier they are, but rather just continue to build.✌🏿
PACIFIK I think a part of what the OP didn’t elaborate on with marriage is business. I’m sorry but it drives me crazy when people say “why do you need the government involve to show your commitment” you don’t but you know what? If you wanna make it easier to be financially independent with the person you love and committed to it really only make sense to get married. There’s so many tax advantages, credit advantages and so on that you are granted when you’re “legally binded”. Of course it comes with risk but so does every single major decision you make in life. People like this, as the OP said, aren’t worried about the other people who more times than not get into relationships and/or marriages for the wrong reason. People like this are focused on themselves and what they need to do to benefit them and their family/legacy.
I find it hard to really talk about marriage at times b/c as much as people want to talk about the divorce rate no one wants to talk about all the broken, toxic, selfish, codependent people who are more times than not the ones who complain and get divorced. 70% of couples never even try marriage or couples counseling before splitting and then go on blaming the other partner or marriage itself when really it was a combination of the type of people I just mentioned.
And btw I’m a happily married woman of almost 8 years. I’ve just spent my fair share of time with unhappily married women (not intentionally but when trying to make mom friends that comes out) and it’s frustrating. I want more like minded friends for myself, my husband and especially our kids. Kids from broken toxic homes mimic those behaviors of their parents and I don’t blame them, it’s the parents but it’s hard to have my children around them because they do a lot of things that are not acceptable to my husband and I and most people don’t want to hear what they can do better in their lives/parenting so I quietly bow out of those relationships.
I just crossed the $2 million mark with Vanguard index funds. I'm 46 and I plan on working until 55.
Congrats, Evan! If you are looking for someone you can teach how you did it, I'm all ears!
Congratulations! If you don’t mind sharing, what’s your occupation?
Wow, good for you man. I’m 26 just recently learning about investing. I hope to also be able to retire at 55
Congratulations. How much did you start ? 5k? 10k ? 100k what do u suggest? Thx
Congrats! would you suggest indux funds over a roth ira
"It is not necessary to do extraordinary things to get extraordinary results."
- Warren Buffett (on Index Funds)
Great quote!!! Thanks for watching!
I really like this quote
Started with Vanguard set up by my mom when I was 15 and kept maxing out the Roth IRA every year in first a target retirement fund and then a full 100% stock VFIAX index fund. I’m currently 35 and it’s grown to almost 400k, still won’t stop and keep grinding.
Hey Mathew can I set up for my son who is 16 and looking for advice what things I need to inform him apart from Roth IRA
WOW!! Thats awesome! shoutout to a GREAT MOM! never stop Loving your Mom and Appreciating her. And salute to you for staying consistent and disciplined. Congrats to you
I really wish home economics was taught in schools today. Saving, investing, what a stock is, understanding the pain of debt and overspending can cause, how to shop for food wisely, how to cook at home and save BIG$ .. all of it
Thomas H H IKR
Thomas H H it wouldn’t matter. Kids and teenagers arent into financials yet at those stages.
it is taught at high schools, at least mine has american economics, personal finance, marketing, sports marketing, accounting and others
Tiredhearts5 you’re very lucky. Majority of schools in the nation do not teach real world topics
@@Tiredhearts5 not where I am. matter of fact most people where I am live in heavy debt. We do not. I teach my two boys at home how to save money and invest, and shop for food. My boys watched us pay off our mortgage.
Just started doing this at 33. I really wish they taught this in high school or college.
Agreed! Too bad it isn't taught in schools, but we're excited to hear you've started your investing joujrney!
Yeah, I feel your pain. I just started investing in several companies that are going to be long term investments. Plus, it's good to have a decent REIT and ETF with dividends so you can reinvest the earnings and create a snowball effect. The more you put in there the better.
Right smh I'm 35 gosh I wouldva been straight if I did this in high school
Same just starting at 29. We got this 👏🏽
@C Burch which is more important for the human species than any sort of index funds or mutual funds
This is valuable information!! I’m 32 and I know it’s not too late!!!! I’m excited to start this financial freedom journey!! God bless you both!
Thank you so much Charine! So happy to hear you're starting your financial freedom journey and so excited to be on it with you!!!
I’m 34 just started $500 in td Ameritrade gold mining etsy other stuff. Wish me luck I just want to have mike $100 grand by the time I’m 75 nothing crazy
@@cate9745 At 34, you should have way more tha 100 grand by the time you turn 75.., at least 5x that amount.
I’m 34 yrs old have you started your funicular free journey yet?
You guys should seriously consider coming up with a course related to everything about investments.
That's really kind of you to make that recommendation! Maybe one day! :)
Know what you mean. I've learnt more through them than some of my university courses on how to build wealth
I personally enjoy TH-cam format much more! Definitely one of the inspirations for me to document my path to financial independence by starting a channel!
They would break the internet with their knowledge
No need to write any book. Just read the book “what wall street doesn’t want you know” and “intelligent investor”. The wheel has been invented already here folks. Hire a fee only based fiduciary cfp who has conviction on index funds with all due respect to the folks in the video.
I thought I needed to be alone to invest and build wealth, but I realize watching you that finding someone with similar goals will help me reach financial independence much sooner and be happier along the way.
YES - finding someone with similar goals can definitely help! :)
I'm single...
That's a goal dude... Just think about it. If your 1 salary can provide for your needs and some savings... It can definitely provide for 2.
So that second income stream coming from the other person can be mostly dumped into investments.
Just imagine what kind of growth you can see if you're tripling the amount being invested and watching it compound.
I agree. I can’t wait to meet my husband. We will build together. Thank you guys for this information.
It helps in the sense that that they are your roommate so you can share expenses and you can invest more, but don’t combine accounts because you think that the wealth will grow faster when it’s in the same chunk of cash earning interest. You would have the same results as if too people invested separately and then combined accounts
Great video. Thanks for sharing
Thanks for watching!
@@OurRichJourney I got a question, I’m on trading 212 and I was going to invest with vanguard, does it have the same terms ? Thanks I’m new
@@OurRichJourney May i as a ? When i open my VTSAX. Would injecting $300 be worth it ? Thanks again
I don’t understand anything what are you guys are saying but I’m still listening
Haha! Keep watching - you'll notice that you will begin to understand more and more!!! :)
😂😂😂😂😂😂 me right now
Geezzz..... She has a perfect voiceover voice. So cool
She's like the lady that was dating cole on the martin show if you ever watched that show...she actually looks alot like her too
@Lance Hamright - Wow! Thanks so much!!!
My best friend put me onto index funds 20 years ago...it was the best thing I’ve ever been introduced to, changed my life.
How wonderful! That is awesome.
How much it multiply since?
Thats amazing! did you ever branch into other asset? #RootingForUsAll2Win #FundamentalFourBook
@Iestyn Evans Im Very Curious Also! #RootingForUsAll2Win #FundamentalFourBook
which index funds did you invest into?
Congrats on your successful partnership both romantically and financially. Thank you for your advice!
Thank you!!!
10 minute video that if followed consistently will put you in the 80 percentile (at a minimum) of all investors. Unfortunately, it took me about 15 years trying everything under the sun to come to the same conclusion. At least I learned eventually. Great video.
I loved your statement, "At least I learned eventually." That's the most important part! :)
Starting at 37 with fours kids, LETS GO… I’m excited
Same here, took me 12 years to realize the best way is the no brain way.
@@michaelt4740starting at 39. 😢
So easy actually. Its so sad it’s rarely taught early on in schools and college.
Elaborate if u don’t mind
Reoccurring investment into an ETF like VOO or SPY monthly. Invest $500 on of these due to them tracking the S & P 500
I’m telling you many schools don’t teach you things about money and financial literacy then when kids get out of high school they don’t know a thing about money it’s really sad
Funds are the best and safest to invest.
@@PhongNguyen-cf3kj can i acquire those through Robin hood
COUPLE WHO WORK TOGETHER STAYS TOGETHER. THIS IS GOALS AF
Well said! Thanks for watching AND commenting Lunar!!!
Wow! I remember you fam! We met at Whole Foods years ago! Great to see you doing well and on top. 😎
Vanguard, Schwab, and Fidelity are exactly the way to go. You guys are my spirit animal.
Doesn't fidelity and vanguard have high fees tho? i got with an Brokerage with really low fees
What is a what animal?
All the big brokerages did away with fees if done online. Vanguard and schwab used to charge each trade for individual stocks but not is 0.
Now is 0.
Why not robinhood
Pray they continue to teach others about financial prosperity in Jesus Name...
@@tdurden9532 He can be orange - I don't care. God is good.
This is good content. I am actually a registered broker of 15+ yrs and I love how you broke it down. I don't subscribe to many channels, too flashy. Too much noise but yours is quality. Keep sharing. Keep being the body of work, planning creates.
Wow! Thank you for the kind words! And thank you so much for subscribing to our channel!
can u please give me your where i can reach/contact you to get more in depth info. on investing.i want to start my journey am 22 and thank you
Hi! Can you help me out as well and I can provide value when I can? Thanks
I’m so happy I found y’all I’ve been getting into investing and actually opened my Roth IRA with Fidelity.
We are so happy you found us, too!!! Hope your are growing your Roth IRA at this very moment!!! :)
This is the best explanation of stocks I have ever come across! Thanks so much Christina and Aman!
Wow! Thank you so much Nayiri!!!
Congrats to you two❤️
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How highly do you prioritize being able to open multiple accounts with the same company (vanguard)? Would you be able to do the same at Fidelity or Schwab and get the same results? What is the advantage of having all accounts with one brokerage?
@@XYZ-sq7ki the main advantage to investing with a single brokerage is being able to easily manage your investments. Most of the large brokerages operate similarly to one another and offer an array of investment options (i.e. IRAs, ROTH IRAs, ETFs, mutual funds, stocks etc). Pick the brokerage that offers the lowest fees for maintenance and transactions. Vanguard offers many no-load funds which can also save you a lot of money down the road. Vanguard’s stability and years in the business makes them an excellent good choice.
How can I start with dirt nothing?
When you invest in vtsax do put money in monthly
Blessings.? How do you guys like vanguard. I really wanna like them looking at other brokerage, but I hear the talk in terms of fees. Just curious to know what made you guys go with them.
I'm so glad that I stumbled across your channel. I love it!
You guys are such a blessing! The fact that you can make these issues so easy to understand shows your brilliance! 💫🌟✨
I agree! This is a beautiful thing! #RootingForUsAll2Win #FundamentalFourBook
Best description of index funds I've found. I was trying to wrap my head around difference between mutual funds and index funds. Thanks!
Wouldn’t you say that FZROX is the best index fund because it has the highest return rate and lowest expense ratio?
From what I see you can do a hell of a lot better than this vehicle.
@@richardpearson1724 would you recommend forex?
Never heard of it
@@mayacarter2864 Forex can make you a lot of money, but it can also lose you a lot. You really have to read between the lines with breaking stories and keep up to date with current affairs. In fact, you have to become good at forecasting events that will likely impact currencies. Start small.
@John Smith s&p500 18% this year
It is so refreshing to see a couple look at each other like that. No greater connection than when you rise up together. Great video sound advice. Can't wait to start investing.
Thank you so much Albert! Hope you've gotten started!!!
This was a great video. I actually teach personal finance at a middle school, and this is such an easy way to explain index funds to my kids. Really appreciate the info and will definitely follow you.
Thank you Leonardo!
Wow I wish there was a personal finance class in my middle school
Your explanation if the index fund is prob the easiest, most concise, and understandable explanation that I've come across. Thanks
I’m starting so late but starting early for my six year old. I’m glad I came across this video
That's fantastic that you're starting for your six year old! CONGRATULATIONS! And, even without know how old you are, I doubt that you are starting late. You have to start when you are ready! And NOW you are ready!!! We are so happy you found our channel! Thanks for watching!
That was very inspiring and educational Thank you!
Thank YOU for watching and commenting!!!
This was an amazingly informative video. I knew absolutely nothing about investing. But you both have truly inspired me. Thank you thank you ❤️🙏🏾 wish I could like 1 million times
Wow! Thank you! Hope you are still feeling inspired and motivated!!!
I love Vanguard! I’m a big buyer of VOO and VBR.
I am 39 and have started to put any money I can into my index fund. In a year, it has gone up to 10%. I'm going to keep it going!
That's fantastic!!!
Hi !!! Would you mind telling which brokerage firm you shortlisted for index funds? I am 39 as well have about 10 k saved with me so thinking of investing. Your response is greatly appreciated
Even bank saving account produce more than 10% yearly
@@redshows6964 no it doesn't lol
I truly appreciate y’all, I needed guidance 🙏💯much ❤️
Stay encouraged! You got this! #RootingForUsAll2Win #FundamentalFourBook
My favorite couple is dropping another Gem. ❤️ you guys ❤️❤️ when the bell 🛎 is clicked and you get the notification 😂
AutismMom I do admire they both are on the same page. That’s something that’s hard to achieve. To me that’s the best asset they have.
Aww, you are way too sweet! Thanks so much for watching!!! :)
I loved how you both explained this so well. Many blessings to you both! Definitely a new fan!
New sub! Thank you for explaining index funds in a way I can finally understand🙏🙌
I like the transparency. Thanks for breaking it down and letting us exactly which one you picked along with the comparisons of other companies and even the definitions of the terms.
Thank you Cynthia! Glad you liked it!!!
Look at her cute smile that tells me how good relationship they are in!!
Too sweet! Thank you!!!
What about his smile? If the female is happy everything is OK these days right? The husband is just there to provide for the wife's happiness...
First time watching and I must say I love y’all’s energy. I like that you’re financially investing in your children’s future.
Thank you so much 🤗
Thank you for your amazing content. I like how you two work so well as a team. Do you ever recommend investing in a small cap index fund as a supplement to a total stock market index fund?
Do you have a list of recommended books that you used when you started investing? I know I can find everything online, but sometime it’s nice to have a written starting point....thank you!
Check out the books that we list in the description of this video. One of the best to get started is the Bogleheads Guide to investing listed. You can also check out the free resources on our website. We have a 30 day challenge that will help you get started also. Thanks for the question!
Our Rich Journey thank you so much! I really appreciate your blog and all that you guys have shared...
The Permanent Portfolio: Harry Brown's Investment Strategy, by Craig Rowland and J.M. Lawson. An approach that prepares you for the ups and downs. The information in Christina and Aman's video is fundamental to the permanent portfolio and the the writing is very clear on how and why it works. It inspired me to begin and go long-term.
Thanks for the info. Need to know how to get started, wanting to retire in 2 years.
Thank you so much for this video! I can’t wait to get started!
Thank you very much for the easy and to the point explanation on index funds as well as your recommendations.
I dont know if I could ever get to your level of investing....but you sure make it seem like the average guy can do it....love this channel!
And the beauty of investing is that it doesn't need to be overly complicated. It can be very simple, which is what we do. We have a very simple plan! You can definitely learn to invest! :)
I’m still watching, but I just want to say that I’m so glad I came across you guys. You are a jewel and I 💕 u so. Your videos always put a smile on my face. Thanks and stay well. Gotta go back watching.
Awww, your comment put a smile on our face! Thanks for watching!
Highly informative!
Very informative. Thank you for putting this together!
I can’t wait to hit my first Million! 💰 😎
Good work team 🏆
We can't wait for you to hit your first million, too!
🥰
Me too! My goal is to be a millionaire by 30 :)
Let’s do it man!
Its coming soon! #RootingForUsAll2Win #FundamentalFourBook
I love the presentation. You guys have great taste. I'm not very savvy with investments but I'll keep an eye on videos like this. Enjoy your stay in Portugal!!
@Batirtze Urkiaga- Thank you! So glad you liked the video!
congrats to you two. great to hear that you are both on the same page when it comes to investing
I’m so glad that I found your channel! I love the energy of you two!
We are so glad you found our channel, too! Thanks for watching Lena (and for commenting)!!!
One of the best videos on TH-cam!, thx for making it..
This is how you do it WITH GOD, SILENTLY & TOGETHER🙌🏼🙏🏼💖💖
If God were real and had any power he would abolish the stock market
@Just US Girlz - Thank you!!!
@@OurRichJourney you’re welcome 🤍
You guys are awesome!!! Thank you so much for the continuous insight!!!! Love watching you and learning from you!!!
Aww, thank you so much Reda!!!!
Thanks for breaking it down so simply!
This is one of the Vanguard Index Funds I have on my buy list before I seen your video. We must be thinking the same way.
I'm in Fidelity! Thanks for sharing this information.
Great video to watch. How much can you start with. And where to go for it. Thanks.
There is a book by Ramit Sehti called: I Will Teach You to be Rich. Very good info, and talks alot about what this couple say. Very informative
Firstly, Love your videos! There is a lot of talk about a recession coming in 2020 or 2021. Just wondering if you have any thoughts or suggestions on preparing for it.
Donna Pinto Don’t worry about these things. Just invest in low cost funds at work. If you look at stock market’s history it’s trend is to up. Thirsty years later you’re a millionaire. Slow and steady wins the race. Heard the story about the tortoise and the hare? Apply it to your life. Good luck!
Never took the time to learn about investing in stocks. You both made it so palatable and easy to understand! Thank you!
So how do you go about investing stocks?
So do you basically live off the profits you make from the index funds? Do you just pull out a certain amount, a few times a year? This was a great video!
Very informative! Thank you for sharing!
Why did you choose vanguard tsi as opposed to fidelity fzrox considering the latter has a higher YTD and expense ratio of 0%?
Thank you guys another video with lot of helpful information , I really appreciate it.
Thank you! Glad you found it helpful!
What an awesome story of finances and family...thank you for sharing
Your using 3 brokerages? Thanks for sharing, you two are now my favorite
Congratulations on your amazing channel, I just found it. Your videos are very helpful, inspirational, and very well done! Please keep up the outstanding work that you have done so far!
Thank you Cesar! We are so happy you discovered our channel!
Great stuff - thank you. You can get the same type of index funds in an ETF as well as a mutual fund. Do you have preference of one to the other and if so why?
Isnt an ETF the same as index fund?
So happy I found you guys - just straightforward sharing - not trying to flog any books, CDs, courses etc ...just knowledge.
Thanks much 👏
So glad you found us, too, Roland!!!
Just started my TH-cam journey as well - okay if I mention you guys?
Very helpful video. Thanks.
Really enjoy watching your channel from here in the UK 🇬🇧 👍🏼
I'm not far from being a millionaire as well because of this.
Nicholas Jasmine How so
@@samisami5358 probably from buying and holding and reinvesting in index funds like they did.
how long did It take you?
Buy xrp Guys buy now stop work in 2020
@@nicolozaniolobedankt what is xrp?
Thank you for posting your video from buffalo NY
My internet mentors in my financial journey! Always watch and learn ! So proud to have you ! Genuine REAL influencers .
I just clicked on YT app and saw your video displaying on top of other videos. This is very informative and helpful. Thank you for your unselfish knowledge you've shared with us.
Very cool - so glad you found our channel! :)
@@OurRichJourney I wish I've found it a long time ago.
Following your journey has certainly helped me improve my own...thank you!
@kankerdoodle b - So happy to hear that!!!
Just a question. Does Vanguard and similar index funds allow regular contributions with very low fees? For example, the 0.04% expense ratio is there, but what is the fee of regular contributions?
Do you look at turn over ratio when deciding which funds to invest in?
Finally watched this and per usual I’m simply blown away. Thank you!
It is so helpful! #RootingForUsAll2Win #FundamentalFourBook
Thank You! I found this extremely educational. All of these terms were confusing me, but you guys explained everything so well. I wish I had professors like you guys! :P
Wow! Thank you for your kind words Doug!!!
What are your thoughts on Creative Planning? Appreciate you both :)
So impressive 😃 Thanks for the history of how index funds came about
Thanks for the great advice/information! I like how ya'll work together! Everything was structured and detailed and to the point. The best 10:27 minutes that I ever spent on TH-cam😀👍👊
This is such a great comment! So glad you like the channel also! #RootingForUsAll2Win #FundamentalFourBook
Yep! Great video! And I use Vanguard as well - no surprise! You guys rock! Cannot wait to meet you one day!
Thanks so much Robert! No surprise!!! :)
Robert keep pushing! #RootingForUsAll2Win #FundamentalFourBook
Very informative, thanks for posting!
You guys are awesome! I thoroughly enjoyed watching.
This is great information that really helped since I am new to investing. My only question is to what percentage did you invest in each of these two funds? Did you invest 50/50, 50% S&P 500 index fund, and 50% total stock index fund? or did you go 70/30 etc?
Thanks so much for sharing your journey! This is definitely something that us millennials aren’t taught. You’ve inspired me to share my own journey/knowledge on my channel. Keep being great ❤️
Thank you Sabrina!!!
Very clear explanations! Thank you!
Excellent explanation very informative and budget-friendly & optional you guys are GREAT together
You guys are amazing!! Thank you for this video
Thank you so much!!!