If you just joined — you're in the right place. This is where the conversation goes deeper than a 15-minute YouTube video allows. Before you do anything else, here's how to get started: 1. Grab your free resources: Head to the Classroom tab and download your ETF Cheat Sheet PDF and the Income Calculator. These are yours free just for joining. 2. Introduce yourself: Go to the Introductions category and post a quick hello. Tell us: where you're at with investing, which ETFs you're holding or watching, and what you're working toward. This is how you go from lurker to member. 3. Learn the layout — Community tab: discussions, questions, portfolio check-ins, and WFS store updates — Classroom tab: ETF deep dives, guides, and resources — Calendar tab: upcoming live Q&As — come with your questions 4. Say hi to your host I'm Steve — The Frugal Expat. I hold VTI, QQQM, VGT, SMH, and QQQI and document everything publicly. I started this community because I wanted a place where income investors could talk real strategy, not surface-level stuff. I'm active in here and I read every post. A few ground rules: -- No spam, self-promotion, or affiliate links without permission — No get-rich-quick talk — everything here is long-term and income-focused — Treat this like a room full of people you'd want to learn from Founding members: you locked in your rate for life. Thank you for being here early — your support is what makes this real. Now go introduce yourself.

I am a 59 year old consultant running my own solo LLC. I'm semi-retired at this point and am trying to keep a better eye on my investments and learn as much as I can to retire fully in the next couple years.