Inspiration Behind One Day In July

"The function of education is to teach one to think intensively and to think critically. Intelligence plus character - that is the goal of true education." ~Martin Luther King, Jr.

From our founder, Dan Cunningham:

I have known for a long time what is going on under the hood in the financial industry. The solution seems obvious, but almost no one was taking the correct route. Here is how I arrived here.

John Bogle

In college, I likely studied in the same library where John Bogle, a half-century before me, worked on his senior thesis that invented the index fund. He proceeded to give up enormous personal wealth by founding low-fee Vanguard, which opened for business 49 days before I was born. His adherence to his principles is a point of light in the financial world.


Amazing things can happen when prices go down by an order of magnitude. Craigslist and many Internet companies have demonstrated the explosion of good effects that result when someone comes along and says "I can charge a tenth of what everyone else charges." I'm fascinated by this practice and few things make me happier than cutting prices for customers.

"There are two kinds of companies, those that work to try to charge more and those that work to charge less. We will be the second." ~ Jeff Bezos, CEO of Amazon.

One Day In July is copying this approach.

Appropriate Technology

In economic development, there is an ideology known as "appropriate technology," which means that the cheapest tool that still gets the job done is the best one. Appropriate technologies are small-scale, labor-intensive, efficient, and locally-controlled, and do nothing more than meet people's needs. The more experience I gather, the more I believe in the power of this simple concept.

My wife's Vermont medical practice was founded on the premise that patients want their doctor-patient relationship restored. It is a simple idea in a health care industry overloading with complexity. And it has worked extremely well.

One Day In July's intention? To master a simple approach and to discard 99% of what the financial industry has created.

And something good to keep in mind:

"My favorite things in life don't cost any money. It's really clear that the most precious resource we all have is time."
- Steve Jobs

Dan Cunningham, Founder
How Are We Different
Understanding Your Financial Statement
Articles on Investing
Investing with Low Cost Index Funds
Pay Yourself First
Why Use a Fiduciary Financial Advisor?
Financial Planning
Quarterly Booklets
Simple, Low Investment Fees
Investor Resources
Investment Tools
Financial Firm Comparison
The Investment Process
One Day In July in the Media
Local Financial Advisor
How to Switch Financial Advisors
Frequently Asked Questions
Book Recommendations
Types of Investors
One Day In July Careers
Square Mailers
Types of Accounts We Manage
Options for Self-Employed Retirement Plans
Saving Strategies
What to do When Receiving a Pension
Investment Tax Strategy: Tax Loss Harvesting
Vermont Investment Management
How to Invest an Inheritance
Investment Tax Strategy: Tax Lot Optimization
Vermont Retirement Planning
How to Make the Best 401k Selections
Investing for Retirement: 401k and More
Vermont Wealth Management
How to Rollover a 401k to an IRA
Environmental Investing: How it Differs from ESG
Vermont Financial Advisors
How to Invest for College Savings
Should I Try to Time the Stock Market?
Mutual Funds vs. ETFs
The Cycle of Investor Emotion
Countering Arguments Against Index Funds
Annuities - Why We Don't Sell Them
Aim for Average
How Finacial Firms Bill
Low Investment Fees
Understanding Fixed Income: Interest Rate Risk
Investing in a Bear Market
Investing in Gold
Is Your Investment Advisor Worth One Percent?
Active vs. Passive Investment Management
Investment Risk vs. Investment Return
Who Supports Index Funds?
Articles by Dan Cunningham
Does Stock Picking Work?
The Growth and Importance of Female Investors
Behavioral Economics
The Forward P/E Ratio

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