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How I Invest My Own Money in 2025

Sep 15, 2025
Discover the intriguing details of one investor's financial strategy. He shares his Roth IRA approach, focusing on 100% growth funds for tax-free gains. Explore his taxable brokerage, which includes liquid assets and a money market fund serving as both liquidity and a spending nudge. Delve into the SEP IRA for tax benefits and the caution against over-complicating investments with too many tilts. Ultimately, he emphasizes that money should enhance life and highlights the importance of mental bandwidth in financial decisions.
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INSIGHT

Wealth Is Mental Bandwidth

  • Wealth includes compounding mental bandwidth, not just dollars.
  • Building a system that frees your time is as valuable as investment returns.
ADVICE

Use Roth For Aggressive Growth

  • Use your Roth IRA as a tax-free sandbox for aggressive growth.
  • Put high-upside, 100% equity funds in Roths because future gains are tax-free.
ADVICE

Keep A Liquid Taxable Nest

  • Keep a taxable brokerage for liquidity and visible permission to spend.
  • Hold efficient ETFs for growth and money-market cash to nudge yourself to actually live.
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