I'm working on simplifying a 7-step investing process for adults and children. Also organizing my budgeting 6-7 step process for simplicity. Remember here we focus on OWNERSHIP, increasing share counts: Let me make this stupid simple. The game is ownership. If you own 1 share and it goes up $10, you make $10. If you own 1,000 shares and it goes up $10, you make $10,000. Same asset. Same move. The difference is ownership. Just Joey Rules (Non-Negotiable) - No selling. - No rebalancing. - Avoid taxable events. - No panic decisions. - No checking every day. We reassess in 3–5 years with a very minimal chance of selling. Then phase two begins.