Annuity as longevity insurance — yes or no?

I ran the same numbers. You're on the right track.

Good luck! Keep us updated.

Exactly. The sequence-of-returns issue is severely underappreciated.

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

The international allocation debate never gets old.

What brokerage are you using for this?

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

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

Been saying this for years. Nice to see it laid out clearly.

I respectfully disagree. The data suggests otherwise.

The behavioral aspect of investing is so underrated.

Good luck! Keep us updated.

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

I respectfully disagree. The data suggests otherwise.

Be careful about survivorship bias in this analysis.

Counterintuitively, the best time to buy is when you're most scared.

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

Have you stress tested this against a 40% drawdown?

Fees really do compound in the wrong direction.

Fees really do compound in the wrong direction.

Have you modeled different interest rate scenarios?

The international allocation debate never gets old.

What catalyst are you watching for?

Love the transparency. This community needs more of this.

I respectfully disagree. The data suggests otherwise.

The international allocation debate never gets old.

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

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

I was skeptical at first but this changed my mind.

This is a masterclass. Bookmarked.

Mind sharing your full allocation?

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

FIRE community is the most underrated corner of personal finance.

Love the transparency. This community needs more of this.

Been saying this for years. Nice to see it laid out clearly.

Love the transparency. This community needs more of this.

Fees really do compound in the wrong direction.

Appreciate the transparency here. Most people gatekeep this stuff.

Been saying this for years. Nice to see it laid out clearly.

Any thoughts on doing this in a taxable account?

This is the way.

I ran the same numbers. You're on the right track.

The exit strategy is what most people don't think about.

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

I ran the same numbers. You're on the right track.

Fees really do compound in the wrong direction.

This is why I come to this community. Real numbers, real analysis.

The exit strategy is what most people don't think about.

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

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

Done similar analysis. Your numbers check out.

Been saying this for years. Nice to see it laid out clearly.

Exactly. The sequence-of-returns issue is severely underappreciated.

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

The international allocation debate never gets old.

This is a masterclass. Bookmarked.

This is a masterclass. Bookmarked.

FIRE community is the most underrated corner of personal finance.

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

Counterintuitively, the best time to buy is when you're most scared.

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

Done similar analysis. Your numbers check out.

Have you considered the tax implications of this approach?

Any thoughts on doing this in a taxable account?

The exit strategy is what most people don't think about.

Have you considered the tax implications of this approach?

Counterpoint: what happens if rates stay elevated longer?

Any thoughts on doing this in a taxable account?

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

Been saying this for years. Nice to see it laid out clearly.

Have you stress tested this against a 40% drawdown?

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