Free Download — ETF Starter Guide

Stack
Simple

Get the free ETF Starter Cheat Sheet. VOO. SCHD. QQQ. What they are, what they cost, and how to start today. No finance degree required.

▶ Watch on YouTube
Stack Simple Kids

$50 a Month
= $10,000
at Age 18

You invest $6,000. The market adds $4,000. That is your child's first car paid in cash. No car loan. No debt before their life even starts.

Open Free Custodial Account
Built for Working Families

Started at 41.
Not 25.
Still Building.

Caribbean roots. Union roofer. Father of three daughters. Nobody taught me how money grows — so I taught myself. Now I am teaching you.

Follow on Instagram
$50
Builds Real Wealth
10%
S&P 500 Avg Return
3
ETFs. That Is All.
📈 The Simple Three Portfolio

Three ETFs.
That Is the
Whole Strategy.

You do not need 20 investments. You need three. Here is exactly what Stack Simple teaches and why.

VOO
Vanguard S&P 500 ETF — Your Foundation
500 Best US Companies in One Purchase
Apple · Microsoft · Amazon · Google · Nvidia and 495 more. Annual fee: 0.03% — just $3 per $10,000. Warren Buffett recommends this for everyday investors. Source: Vanguard.com
50%
of portfolio
SCHD
Schwab US Dividend ETF — Your Income
Pays You Cash Every 3 Months
Coca-Cola · Verizon · Home Depot · Chevron and more. Pays dividends every January, April, July, and October. Current yield: approximately 3.5 to 4% per year. Source: Schwab.com
30%
of portfolio
QQQ
Invesco Nasdaq-100 ETF — Your Growth
Top 100 Technology Companies
Apple · Nvidia · Microsoft · Amazon · Tesla · Meta · Alphabet among the top holdings. Higher growth potential with more price movement. Annual fee: 0.20%. Source: Invesco.com
20%
of portfolio

On $300 a month — put $150 into VOO, $90 into SCHD, and $60 into QQQ. Open a free account at Fidelity.com. Set up automatic monthly investing. Leave it alone and let compound interest work.

🔢 Real Numbers

See What Your
Money Builds.

Move the sliders and see compound interest work in real time. Based on the S&P 500 historical average return of approximately 10% per year. Projections are hypothetical — actual results will vary.

Your Wealth Builder Calculator
Monthly Investment Amount
$300 per month
Number of Years
10 years
$61,453
Total Value
$36,000
You Invested
$25,453
Market Added
71%
Total Return
Based on 10% average annual return compounded monthly — consistent with S&P 500 historical data since 1957 per S&P Global. Past performance does not guarantee future results. This is a hypothetical projection for educational purposes only.
👧 Stack Simple Kids

Invest for Your
Child Today.

Open a free custodial account at Fidelity.com. Invest in VOO. Your child has real money waiting for them at 18. A car paid in cash. A head start most kids never get.

Start at Birth — $50/Month
$19,220
At age 18. You invested $10,800. The market added approximately $8,420. First car paid in cash. Zero car loan at 18.
Start at Birth — $100/Month
$41,000
At age 18. You invested $21,600. The market added approximately $19,400. Car plus college deposit plus the start of their own investment account.
Start at Age 8 — $50/Month
$10,240
At age 18. Ten years. You invested $6,000. The market added approximately $4,240. First car in cash. Zero debt to start adult life.
Start at Age 8 — $100/Month
$20,484
At age 18. Ten years. You invested $12,000. The market added approximately $8,484. A real financial head start most kids in our community never had.
Open Free Custodial Account at Fidelity →

Free to open. No minimum balance required. Fractional shares starting at $1. All projections are hypothetical based on 10% average annual return. Actual results will vary.

📋 Credit Repair

Fix Your Credit.
For Free.

The Fair Credit Reporting Act gives you the power to dispute inaccurate items on your credit report. No credit repair company needed. CreditClear Pro helps you write the letters yourself — completely free.

01
Pull Your Free Credit Reports
Go to AnnualCreditReport.com — the only federally authorized free credit report site. Pull all three bureaus: Equifax, Experian, and TransUnion. You are entitled to one free report from each bureau every year by federal law.
02
Identify Inaccurate Items
Look for late payments you did not make, accounts you do not recognize, incorrect balances, or collection accounts with wrong information. Any inaccurate item can be disputed under the Fair Credit Reporting Act.
03
Generate Your Dispute Letter
Use CreditClear Pro below to generate a professional dispute letter based on the Fair Credit Reporting Act in under 2 minutes. Free. No account needed. You send the letter directly to the bureau yourself.
04
The Bureau Must Respond Within 30 Days
Under the Fair Credit Reporting Act, the credit bureau has 30 days to investigate your dispute. If they cannot verify the item it must be removed from your report. That is your legal right.
CreditClear Pro

Generate a professional Fair Credit Reporting Act dispute letter in under 2 minutes. Free. No account needed. You send the letter yourself directly to the credit bureau. This is an educational self-help tool.

Educational tool only. Not legal advice. Not a credit repair service. Stack Simple is not a licensed credit repair organization. Always consult a qualified professional for legal advice.

👋 About Stack Simple

Built for People
Like Us.

FC
Fritz Charles
Founder — Stack Simple

"I grew up in an urban community with Caribbean roots. I spent over a decade as a union roofer — Local 4 and Local 10. I ran my own contracting business. I built audiences as a content creator since 2009. And nobody — not one person — ever sat me down and explained how money actually grows. I started investing at 41. Not 25. Not 30. 41. And I quickly realized that the information was always out there — it just was never presented in a way that spoke to people like me. Working people. Caribbean families. Late starters. That is why I built Stack Simple. Because our community deserves this information too."

— Fritz Charles, Founder of Stack Simple
🏗️
Working People First
Union roofer. Field operations technician. Every piece of content on Stack Simple is built for people who work hard every day and want their money to work just as hard for their family.
🌴
Caribbean Community
Built specifically for Caribbean-American and urban working class families. This is the financial education our community has always deserved and was never given.
⏰
Late Starters Welcome
Started investing at 41. Every video on Stack Simple is built around realistic 5 to 20 year timelines — not the 35-year plans that feel impossible when you are already in the middle of life.
▶ Watch Stack Simple on YouTube

Educational Disclaimer: Stack Simple is a personal finance education brand. All content on this website is for informational and educational purposes only and does not constitute personalized financial advice, investment advice, or a recommendation to buy or sell any security. Stack Simple is not a licensed financial advisor, registered investment advisor, broker-dealer, or credit repair organization. ETF expense ratios, dividend yields, and historical return figures cited are based on publicly available information from Vanguard.com, Schwab.com, Invesco.com, and S&P Global as of 2024 to 2025 and are subject to change. All investment projections shown are hypothetical and based on historical S&P 500 average returns — actual results will vary and past performance does not guarantee future results. Investing involves risk including the possible loss of principal. The CreditClear Pro dispute letter tool is an educational self-help resource only and is not a credit repair service. Always consult a qualified financial professional or attorney before making any financial or legal decisions.

Get Your Free ETF Cheat Sheet

The top ETFs explained simply — VOO, SCHD, and QQQ. What they are, how they work, and how to start investing today. Completely free. Delivered to your inbox.

Free forever. No spam. Unsubscribe anytime. Not financial advice. Educational purposes only.

CreditClear Pro

Fill in your information below and generate a professional Fair Credit Reporting Act dispute letter you can send directly to the credit bureau. Free. No account needed.

1 Your Information
2 Select Credit Bureau to Dispute
3 Account You Are Disputing

Educational self-help tool only. Not legal advice. Not a credit repair service. Stack Simple is not a licensed credit repair organization. You send this letter yourself. Always consult a qualified attorney for legal advice.