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5 ETFs to Build Wealth From Scratch

Pick the right ETFs, avoid overlap, and start investing with confidence

Based on: The ONLY 5 ETFs To Invest In 2027 by Steve | Call to Leap

The ONLY 5 ETFs To Invest In 2027▶ Watch the source video on YouTube

Why You Need This Checklist

What if you could copy the exact ETF framework that helped one beginner go from zero to a projected $4.7 million portfolio — without picking individual stocks, timing the market, or needing a finance degree?

Most people who want to start investing get stuck in the same exhausting loop. They open a brokerage account, search for ETFs, get overwhelmed by the options, worry about buying the wrong thing, and end up doing nothing. Meanwhile, inflation quietly eats away at the cash sitting in their low-interest savings account. Sound familiar?

Imagine instead waking up six months from now with a clean, simple portfolio you actually understand. You know exactly what you own, why you own it, and how each ETF fits together. Your cash is working harder. Your investments are diversified across growth, stability, and income. And you are not panicking every time the market dips because you built your portfolio with intention.

Steve from Call to Leap has been there. He built a $1.7 to $1.8 million portfolio using this exact framework and has coached complete beginners — including Jerome, who is now projected to reach $4.7 million by retirement — using these same five funds. Steve is a former public school teacher who has a genuine gift for breaking down complex financial concepts into steps anyone can follow. His community members Diana and Tina started as total beginners and are now invested and building real wealth.

This checklist turns Steve's full video breakdown into a step-by-step action plan you can execute today. It walks you through evaluating each of the five ETFs and funds — from growth and tech options like QQQ, QQQM, IQQ, and VGT, to the S&P 500 stalwarts like SPYM and SPY, to broad market funds like VTI and VT, to dividend income stability with SCHD, and finally to money market funds that put your idle cash to work. It also includes the critical overlap-checking step that most beginners skip, plus the exact free tool Steve recommends to compare any two ETFs before you buy. Stop letting indecision cost you compounding time. Use this checklist to build your beginner portfolio with clarity and confidence.

What's Inside — Preview

Every checklist item comes with actionable notes to guide you — things like "Don't forget to do this before you start," "Avoid this common mistake," or "Set a reminder for 30 days out." Nothing vague, just clear next steps.

DECIDE Decide whether you want to sell covered calls — this determines which growth ETF version is right for you
RESEARCH Evaluate QQQ as your growth/tech ETF option if you plan to sell covered calls
RESEARCH Evaluate QQQM as your growth/tech ETF option if you want the NASDAQ 100 at a lower cost without options trading
RESEARCH Evaluate IQQ as your growth/tech ETF option if you want the lowest possible share price entry into the NASDAQ 100
RESEARCH Evaluate VGT if you want heavier concentration in AI, chip, and tech companies with historically stronger returns

+ 18 more action items inside...

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