Free & interactive
The Money Monsters Defense
Check your defenses, then feel the fee monster bite with the calculator.
Defense audit
The Money Monsters Defense
@fmaunlv
Check your defenses, then feel the fee monster bite with the calculator.
INFLATION
I know the real return on every account
Rate minus inflation. Negative = a loss called safe.
TAXES
Tax-advantaged accounts come first
401(k), IRA, HSA, Roth before any taxable brokerage.
TAXES
I hold winners past 12 months
Long-term gains: 20%. Short-term: up to 37%.
BEHAVIOR
My rules are written before the next drop
The behavior gap cost the average investor $1.63M per $100K over 30 years.
BEHAVIOR
I check long-term money quarterly, not daily
Feel the fee monster: a future portfolio of
$
What a 1% fee eats over 20 years
Same market, one point of fees. Swap to index funds when the gap clears 0.5%.
...
It's not what you make. It's what you keep.Four monsters: inflation, taxes, behavior, fees.
Build the fortress before the monsters show up.
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