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.wordpress.com/2025/08/23/jody-benson-sharp-a-modern-roadmap-to-smart-saving-and-investing/