Hey Max - Agreed - low cost index funds are a dime a dozen. Even "hot" startups like WealthFront / Betterment are a waste of money - you can spend a minute on the site, get their recommendation, hop over to Vanguard and carry it out yourself (and save thousands). Just send yourself a reminder to rebalance once a year and you're done. The biggest driver in building wealth, from our experience and that of working at Guide Financial, is using behavioral finance to automatically accumulate more assets over time - makes orders of magnitudes bigger impact than low costs/tax harvesting/etc