Selling a business that you start from scratch is as much of an emotional decision as it is a financial decision and after 7 years of starting and running my business, I was ready to sell. In fact, I was burnt out and needed to sell in order to get my sanity and life back.
If you have moved abroad to start a business or teach English then you might be tempted to forget about all the bureaucracy in the US and not file your taxes. While this probably won’t matter much in the short term, in the long term your unfiled taxes could come back to haunt you.
You have two ways to get access to Index Funds with Schwab, either through their Mutual funds or ETFs. Both have their pros and cons but ultimately I chose to use mutual funds because they allow automatic investing and you can also buy a set amount (e.g. $100.00).