Or you could look at your vanguard dashboard every year on December 20th, look at the annual losses and sell those reinvesting in something else similar.

I think people get $1MM by avoiding $2500/year expenses. I plan on investing for 20-50 more years so saving $50-125k seems like a good exchange for an hour or so work every year.

You kind of have to review your holdings manually anyway as even if I had a personal advisor I would still check my own stuff.