
Hey, it’s Louis.
Last two issues, we cracked open the 401(k) and the Roth IRA.
Pretax versus post-tax, matches, vesting, the whole shebang.
What we didn't talk about is what actually lives inside those accounts.
You've got the container, now let's talk about what's in it, because "I put money into my 401(k)" and "I know what my money is doing" are two very different sentences.
👀 IN TODAY'S STASH
The one number that tells you if a fund is actually worth keeping (and the one that tells you nothing)
Why beating the market for one good month is a crap metric
The reason a genuinely great fund still can't protect you on its own
🌳 THE SHADE
You know that time where you picked a fund like did your last Tinder date?
Maybe the name sounded safe, or because it was already highlighted, or because you closed your eyes and clicked? No judgment, we've all done it.
But grab some shade for a minute brother cause "I made a choice" and "I made an informed choice" are very different things, and one has a way higher chance of coming back to bite you in the tuchus.

