When I first read The Simple Path to Wealth by JL Collins, I was ready to invest in VTSAX and build my future. The advice was simple: low-cost index funds, consistency, and let compounding work.

But when I looked deeper into what was actually inside VTSAX (and other index funds), I found exposure to industries like weapons, alcohol, exploitation, excess debt, and environmental harm.

I tried halal funds, but they came with high expense ratios. Then I discovered M1 Finance and realized I could build my own fund with effectively zero expense ratios.

After years of refinement – including filtering out companies complicit in human rights violations that many ‘ethical’ funds still include – I created what you see today.