The @jacobdoesmoney Playbook

The ETF Playbook

Picking good ETFs is the easy part. Six of the eleven I’d buy get taxed every year in the wrong account — the other five barely get taxed at all.

Knowing what to buy doesn't answer the three questions that decide what you keep:

So most people buy whatever they saw last, in whatever account they opened first.

The account question costs real money when you get it wrong. SCHD pays cash every year — and in a regular brokerage account, that cash gets taxed every year, no matter what. Hold $100,000 of it there instead of in a retirement account:

~$500/yr
SCHD · taxes you didn't owe*
~$1,900/yr
JEPI · taxes you didn't owe*

Every year, growing as your portfolio grows.

The other two questions are where most portfolios go wrong. Young investors buying dividend funds for cash they don't need yet. People ten years from retirement with no plan for turning growth into income — most don't know that inside a retirement account, that entire switch costs $0 in tax.

My free cheat sheet tells you what to buy. The ETF Playbook is the rest: which funds, how much of each, when the mix changes, and which account every single one goes in — worked out for your stage of life, not someone else's.

What's inside

Build

The strategy layer
  • Your goal picks your funds: which funds from the sheet each profile uses — by age, income, yearly investing, and what retirement's supposed to look like
  • Roughly how the mix splits, and the logic for when growth funds hand off to dividend funds
  • How I size aggressive picks like SMH and AIS so one bad bet can only do limited damage

Place

The tax layer
  • Your funds pick their accounts: the one‑question rule that places any ETF — all eleven on the sheet, placed
  • Roth vs. Traditional, settled in 30 seconds with a framework you apply yourself
  • The order I'd fill accounts from $0 — and the $0‑tax swap that makes the retirement handoff free

My Portfolio

The proof
  • Every ETF I actually own, why I own it, and which account it sits in
  • How I'd rebuild the whole portfolio from $0 today
  • Updated free whenever my portfolio meaningfully changes

A tight written playbook, built to read on your phone. Instant access, free updates. The tickers in my portfolio will change over time — the build and placement logic is what you're buying, and it doesn't.

Jacob

I'm 26 with a multi‑million dollar ETF portfolio, and this is exactly how I run it. Not advice — I'm not your advisor. It's me showing you precisely what I do and why. Take what fits.

The ETF Playbook

$27

One misplaced fund at $100,000 costs $500 to $1,900 a year in taxes. This costs $27, once.

Apple Pay · Google Pay · card — secure checkout by Stripe

Instant access  •  Free updates  •  30‑day guarantee

30 days. If you don't know exactly where each of your funds belongs after reading it, email me and I'll refund you — and you keep it.

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*Hypothetical illustration: 2026 federal rates, current fund yields. Your numbers depend on your income, state, and holdings.