The Situation

The Paralysis of Too Much Information

Investing has a jargon problem. ETFs, expense ratios, asset allocation, rebalancing, tax-loss harvesting — all useful concepts, but none of them are where a beginner should start. The first decision is simpler: start now, with the right account type, in the broadest possible investment.

The cost of waiting for perfect knowledge before investing is higher than the cost of any reasonable first investment decision.

— Worthune Decision Framework

• You've intended to start investing for more than six months but haven't yet
• You feel you need to understand more before you can invest responsibly
• You're not sure which account type to open or what to buy first