Seeing your Wrapped @Spotify is fun and all, but we think it’s equally as thrilling to know what happened with your investing dollars this year!

If you own a total US stock market fund (like VTSAX or VTI) or a target date index fund, this post applies to you. And you essentially own a tiny piece of every publicly traded company in the US.

And some of those companies that you own did really well! Did you know Carvana was up 1,600% this year?? Being an index investor allows you the benefit of owning hot stocks without even having to choose them!

Take the time to celebrate your year as an investor. Not only because the market was up, but because of your resilience even when the market was down. That is what will pay off tremendously for the many years to come. And if you haven’t yet started investing, that’s OKAY! It’s never too late and there is no time like the present!

As always, reminding you to build wealth by following the two PFC rules: 1.) Live below your means and 2.) Invest early and often.‎

-Vivi & Shane