meals:

• breakfast: acai bowl from grain and berry
• lunch: flower child mother earth bowl
• dinner: flower child mother earth bowl and protein shake

learned about some popular ETFs:

1. VOO - vanguard s&p 500 etf

• holds the 500 biggest US companies (apple, microsoft, amazon, etc.)
• "VOO = vanguard + 500"
• the core of the US stock market
• fee: 0.03%

2. VTI - vanguard total stock market etf

• holds all publicly traded US stocks (large, mid, small)
• "T = total" - the entire US market
• slightly more diversified than VOO
• fee: 0.03%

3. VXUS - vanguard total international stock etf

• stocks outside the US (europe, asia, emerging markets)
• "X = eX-US"
• reduces single-country risk
• fee: 0.05%

4. VUG - vanguard growth etf

• US growth stocks, tech-heavy (apple, nvidia, google)
• "G = growth" - companies growing fast
• higher potential, higher volatility
• fee: 0.04%

5. QQQM - invesco nasdaq-100 etf

• the 100 biggest tech-oriented US companies
• "QQQM = mini QQQ" (cheaper version of famous QQQ)
• no banks, pure innovation/tech
• fee: 0.15%

6. BND - vanguard total bond market etf

• government + corporate bonds
• "B = bonds"
• safer, lower return, steady income
• fee: 0.03%

mental model:

• VOO/VTI = engine → consistent growth
• VXUS = diversifier → reduces single-country risk
• VUG/QQQM = booster → adds excitement and higher potential
• BND = shock absorber → cushions crashes