Rich Habits Podcast

Q&A: Passive Investing "Bubble," Overlapping ETFs, & Diversifying $200K

Jan 8, 2026
In this engaging discussion, the hosts tackle the complexities of buying homes in disaster-prone areas, weighing insurance and lifestyle impacts. They reveal overlaps in ETFs and recommend consolidating for better diversification. Concerns about passive investing creating a bubble are addressed, with insights on personal investment strategies. Tips for flipping small homes and house hacking encourage practical financial moves. Finally, they suggest alternative investments outside stocks like real estate and commodities to diversify a $200K portfolio.
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ADVICE

Weigh Total Ownership Costs

  • Build total cost of ownership into your housing decision, including higher insurance and car costs in disaster-prone states.
  • Weigh tax benefits (e.g., Florida's no income tax) and lifestyle value against those higher recurring costs.
INSIGHT

ETF Overlap Is Often Redundant

  • Many ETFs like VTI, SPY, VOO largely overlap because the total market funds mostly mirror the S&P 500.
  • Holding multiple S&P 500 ETFs creates redundant exposure and unnecessary complexity.
ADVICE

Consolidate And Add Targeted Satellites

  • Consolidate overlapping funds and keep a low-cost core like VOO for S&P exposure.
  • Use remaining allocation to add targeted ETFs (e.g., tech, value, metals, or small satellite positions).
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