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If I could only own two ETFs for the rest of my life, they'd be VTI and SPY. Here's why these boring index funds became the bedrock of my million-dollar plan.

VTI: The "Own Everything American" ETF

Vanguard Total Stock Market ETF (VTI) is my single favorite investment. With one purchase, I own almost 4,000 American companies—from Apple and Microsoft down to tiny regional banks and niche manufacturers I've never heard of. When I first discovered VTI in 2015, I was blown away by its simplicity. Instead of agonizing over...