1000x. Moreover, the best piece of financial advice I ever got was that combined with automatically depositing as much of my paycheck as I could afford into an

1000x. Moreover, the best piece of financial advice I ever got was that combined with automatically depositing as much of my paycheck as I could afford into an investment account with auto purchase set up. Simplicity trumps optimality. And VTI is close to optimal for most people, even (perhaps especially) people who think they can do better than it.