 Vanguard has done it. What's up, money geeks, Mr. V here. Welcome to another video, guys. Into this video, we're gonna be talking about some huge changes that Vanguard announced this week. When I mean huge, this is unbelievable. So last week, or maybe two weeks ago, I did a video telling you guys why we decided to go with Vanguard. And so that video kinda did well, and I told you guys all these great things about Vanguard and why we choose Vanguard for family retirement investing. I'm gonna hook that video up here so you can go check it out before even watch this one, because they are kinda really laid down the groundwork, but there were some key things that I mentioned in that video that Vanguard didn't have, or key features that I mentioned in that video that Vanguard didn't have in. This week, boy, did they let it lose. I mean, Vanguard just came out of 2020 with a bang. The first thing that Vanguard announced this week was that they were gonna actually reduce the expense ratio on about 50 of their ETFs. That's awesome. So if you know what expense ratios are, expense ratios are the amount of money that they charge you for maintaining that particular ETF that you buy. So they're reducing the price, saving you and me, or investors, a lot of money. The lower the expense ratio of a fund or an ETF, the better for the investors, because you're putting more money in your pocket and not paying more for the maintenance of that fund. So they lowered expense ratio for about 50 ETFs. That is great, but it didn't stop right there. So this week, the elephant in the room that most of all these other investment companies have already done trading commission-free stocks on their platform. So right now on Vanguard, you can buy and sell stocks for free at $0. That was one of my issues with them because when we invest in Vanguard, we would buy Vanguard ETFs and Vanguard index funds. When you buy Vanguard products, there was no commission. But if you venture out and buy anything like a stock, let's say you buy Amazon stock, it was $7 commission. If you buy something like Shopify, $7 commission. But now Vanguard, to try to keep up with the competition, that fee is gone. So I'm super excited, because right at this point, it means that I'm not gonna be going out and doing a lot outside. I still use other platforms like M1 Finance, Robinhood, because I love playing with stocks and just getting my hands wet with the market. But for our family or for our long-term retirement, everything is within Vanguard. So this is great news. They didn't stop there. They added one thing. Now, your money market account, where when you transfer money from, let's say your bank account into your investment account, if you don't invest it immediately, it goes into a Vanguard money market account and they are paying 1.55%. That is crazy. Trust me, guys. So three key things that Vanguard did in the past three weeks that are really, really outstanding again, I'm gonna give you guys a recap here. The first one is lowering the expense ratio on over 50 of the ETFs. The second one now is commission-free trading of stocks on Vanguard. Last but not least, increasing the interest rate on the money market account to 1.55% APY. So that APY has gone up, which is really, really awesome. So guys, this is exciting news. And this is 2020. If you haven't started your investment journey and you're looking at starting and you wanna use Vanguard, I also have another video that was gonna show you how to open a Vanguard account. Hook it up here. Definitely go check that one out. It'll just show you the basics of setting up the account, getting started and putting money in the account. And then now, I mentioned again, like the video where I tell you guys why we choose Vanguard. And now, trading commission-free, you can't go wrong. This is the best way to start 2020 with Vanguard, guys. I'm super excited for this. I'm gonna try it and then I'll do a video and show you guys how Vanguard is actually doing it and not charging a single fee. This is crazy. I'm super excited. So that's it for this video. I just wanna give you guys that heads up. I mean, I just couldn't hold myself back. If you have any questions regarding opening a Vanguard account or where to start with your Vanguard investment and if you have just $1 or you have $1,000 and you're thinking of, I wanna start my first investment, I wanna start putting money aside for retirement, I'm gonna show you. You can ask me in the comment section as well, but I'm gonna do another video here that's I'm gonna show you how to invest just $100 in Vanguard ETFs to get you started. And so if you find this video useful, please share it with one friend. That's how we get the word out. Like, share, subscribe. And as always, stay motivated. Boy, this is great news. I can't believe this is happening.