The short reads behind the plan

Three pieces, each a few minutes. Every claim links to its source.

Why index funds win, and why you don't need an advisor89.9% of fund managers trailed the S&P 500 over 15 years, and what 1% a year costs.How to stay invested when the market dropsLump sum vs. spreading it out, missing the best days, and checking once a year.Emergency fund and debt before investing$2,000 first, the 7% debt rule, and where to keep cash.