A Warm Welcome from The IBSS Team

Jim feels that investing shouldn’t be expensive or intimating. He developed a low-cost, easy-to-use system for self-directed investing. It replaces the need for complicated formulas and helps to ease the stress investors feel as the market moves up or down. It also could remove the need to put your net worth in the hands of someone who will charge high fees to manage your investments. This blog provides information and other resources that have resulted from all the years of Jim’s hard work, research, and experience to enhance your confidence in self-directed money management.

Jim believes that to live a full life, people need money, but also enjoyment. IBSS aims to guide you there as well. We invite you to join our community, to follow along and interact with us, and to have some fun while doing so.

In his many years of experience Jim has observed a few things about life for many people. In your 20s, you worry about establishing your career. In your 30s and 40s, you think about settling down, investing, and starting a family. By the time you hit 50 and head towards 60, paying for children’s college and providing for retirement become foremost in your mind. Life is complicated and busy. Wherever you are in your life journey, planning and taking action now on your financial future must be a priority. Jim and the rest of us on the IBSS team want to help you invest better and spend smarter in the most simple, effective, and direct way possible.

Please accept our invitation to come on in, sign up for our automatic updates, use our tools, and let us know how they work for you. Learn from our experts and take charge of your financial future while also ensuring your life is as enjoyable as it can be.

The IBSS Team


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Jim Tso wants to “give back” and share his 35+ years of successful personal money management experience to help others to achieve their financial goals. Jim created this InvestBetterSpendSmarter blog (IBSS) to provide you with free investing, planning, savings, retirement, and inspirational tips derived from his unique, innovative, and proven approaches to money management. He welcomes and appreciates your feedback.

Jim would also appreciate it if you would kindly share our IBSS website and blogs with your family, friends, and business associates. Thank you!

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