Jody emphasizes selecting funds with low expense ratios and minimizing unnecessary trading. Use tax-efficient strategies — harvesting tax allowances, holding assets in tax-sheltered accounts, and preferring long-term holdings to avoid frequent taxable events. Small reductions in fees and tax leakage can materially improve outcomes over decades. https://jodybensonsharp.weebly.com/blog/jody-benson-sharp-guiding-individuals-toward-smarter-savings-and-investments