Should I pay off debt or invest first?

This is either genius or the most expensive lesson of your life.

Any thoughts on doing this in a taxable account?

I've been burned by this before. Your caution is warranted.

Not financial advice but I'm doing the exact same thing.

The math here is solid. This is what people miss.

How does this compare to just buying VTI and forgetting about it?

Have you considered the tax implications of this approach?

This is the way.

I've been burned by this before. Your caution is warranted.

Appreciate you sharing the L's too. Most people only post wins.

Interesting perspective. I see it differently — happy to elaborate.

I've been thinking about this too. What's your time horizon?

This is a solid framework. Saving this post.

The international allocation debate never gets old.

Counterpoint: what happens if rates stay elevated longer?

Appreciate the transparency here. Most people gatekeep this stuff.

I've been thinking about this too. What's your time horizon?

Mind sharing your full allocation?

Have you modeled different interest rate scenarios?

Be careful about survivorship bias in this analysis.

Done similar analysis. Your numbers check out.

The hardest part is just not touching it during a crash.

Real talk: most people can't stick to this when it gets hard.

I was skeptical at first but this changed my mind.

What brokerage are you using for this?

The hardest part is just not touching it during a crash.

This is essentially what a financial advisor charges $5k to tell you.

How did this perform during the 2022 drawdown?

Counterpoint: what happens if rates stay elevated longer?

The fee math always surprises people when you actually do it out.

FIRE community is the most underrated corner of personal finance.

Appreciate you sharing the L's too. Most people only post wins.

This is essentially what a financial advisor charges $5k to tell you.

This is essentially what a financial advisor charges $5k to tell you.

The compounding at year 20+ is when it gets really wild.

Appreciate you sharing the L's too. Most people only post wins.

Be careful about survivorship bias in this analysis.

What brokerage are you using for this?

I respectfully disagree. The data suggests otherwise.

Be careful about survivorship bias in this analysis.

Love the transparency. This community needs more of this.

This is the way.

The psychology of money matters as much as the math.

I've been burned by this before. Your caution is warranted.

I've been thinking about this too. What's your time horizon?