I swear by 4 strategies to manage my money, no financial planner required - Business Insider

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Since I am a small business owner, I don't have an automatic pension deduction from my quarterly taxes or access to a company-sponsored 401. Instead, I've set up a Self-Employed Person Individual Retirement Arrangement that allows me to save for retirement. Instead of choosing to buy shares of specific publicly-traded companies, VTSMIF gives me shared access to the entire US stock market, which includes large and small company stocks. It's a low-cost way to enter the stock market game.

This has taught me about the stability and volatility of the market, and I like that Robinhood aims to democratize the markets by ending trading commissions that folks on Wall Street never had to pay in the first place. It's the final fiscal quarter of 2019, and you can bet that financial literature is out there and available on the internet for free.

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