The 20/200 Awesome Stuff Plan

Make money simple. Make work optional.

Save 20%
Buy the whole market
Leave it alone

That’s it.

STEP 1. SAVE 20%

Automatically invest 20% of every dollar you earn.

Market up or down, keep buying.

If you never see it, you never miss it.

STEP 2. BUY THE WHOLE MARKET (NOT INDIVIDUAL STOCKS)

Don’t try to pick winners.

Buy index funds instead.
They spread your money across thousands of companies at once.
You own a bit of everything. No guessing.

Simple setup:

• 80% Total Stock Market index fund (VTI)
• 20% Total Bond index fund (BND)

Buy these at Vanguard or any investing app.
Vanguard is popular because their fees are very low.

STEP 3. REBALANCE ONCE A YEAR

Once a year, reset to 80% stocks and 20% bonds.

If stocks went up a lot, move a little to bonds
If stocks dropped, move a little back to stocks

This quietly forces you to buy low and sell high.

THE 20 / 200 RULE

Save 20%
Reach $200K
Wait

Time can turn that into about $1,000,000 in 20 years.

WHAT $1,000,000 MEANS

About $40–50k a year.
Forever.

Work becomes a choice, not a need.

That’s freedom.