From Confusion to Clarity: Steve Short & Mark Schlipman’s Simple Wealth Code

Ever feel like “investing” is code for confusion? This episode gives you a simple, step-by-step wealth plan you can actually follow—no jargon, no hype. If financial freedom, retirement planning, and 401(k) strategies have felt out of reach, this is your on-ramp.

💡 The Simple Roadmap That Actually Works

• Save 20% using their flipped 50/20/30 budgeting rule and automate it.

• Build three “buckets”: 0–2 years (emergency fund), 2–5 years (near-term goals), 5+ years (stock market). Emergency fund target: 3–6 months of expenses.

• View market dips as “flash sales,” not failures—long-term stock market returns have averaged about 10% annually.

📈 Stay Invested: The Data That Kills Market-Timing

Schwab’s 20-year analysis shows investing immediately earned 92% of “perfect timing”—and crushed procrastination. Translation: time in the market beats timing the market.

🧰 Quick Wins You Can Use Today

• Max your 401(k) match: common formula = 100% on 3% + 50% on next 2% (effective 4% extra); overall average employer contribution ~4.8%.

• Start with 2–5% if 20% feels big; automate increases.

• Use dollar-cost averaging to reduce stress and build consistent savings with a fiduciary advisor mindset guiding decisions.

If you're interested in this, here's a link to their book: www.simpleroadbook.com