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# How We Fix Wealth-Building
- URL: https://blog.ruthinvestment.com/how-we-fix-wealth-building/
- Published: 2026-07-30T02:38:25.000Z
- Updated: 2026-09-07T03:11:00.000Z
- Description: Three convictions that detail Ruth's approach to fixing wealth-building for young Americans.
- Author: Ruth Investment

Ruth is built to help millennials and young American investors build long-term wealth through early participation in the market.

What sets us apart is that at Ruth we recommend and commercialize a plan to get all of our customers increased exposure to the market as soon as possible.

Our approach rests on three convictions:

1. **The Ruth 100+/20 Rule*.*

[*A longer term time horizon (greater than 3 years) can support more equity exposure than conventional wisdom holds*](https://blog.ruthinvestment.com/time-is-the-advantage/)*. At Ruth, we call this the “Ruth 100+ Rule.” Do you have exposure to the market that equals or exceeds your net worth / portfolio value?* 

1. **Eliminate and Mitigate Costs*.*

*The 100+ Rule only holds value if our portfolios minimize: expenses, margin calls, and* [*volatility decay*](https://blog.ruthinvestment.com/borrowing-to-own-vs-borrowing-to-bet/)*.*

1. **Eliminate Decision Fatigue and Bad Habits*.*

*At Ruth, we are subject to the same offers you are: bad margin programs, prediction markets, a volatile crypto market, ETFs with hidden costs and volatility risk. At Ruth, we endeavor to offer few options, where each option is vetted and carries strong fundamentals.*

We hold these views with conviction, and we know trust is earned over time, not claimed in a single post.

As we get to know our community, we'll use this blog to discuss each principle in full: the reasoning, the trade-offs, and the nuance behind it.

Join the early access waitlist to be a part of our community: [ruthinvestment.com](http://ruthinvestment.com/?ref=blog.ruthinvestment.com)

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*Ruth is launching soon. Registration as an investment adviser is pending; Ruth is not yet licensed and is not currently providing advisory services.*

*This is for informational purposes only and is not financial advice. Investing involves risk, including the possible loss of principal.*