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://www.edocr.com/v/5d8yo1e5/jodybensonsharp/jody-benson-sharp-smart-strategies-for-savings-inv