I'm 58 and worried I'm behind — honest assessment please
Backdoor Roth for high earners: contribute to traditional IRA → wait a few days → convert to Roth. Watch out for the pro-rata rule if you have other IRA balances.
98 Comments
Real talk: most people can't stick to this when it gets hard.
The behavioral aspect of investing is so underrated.
Good luck! Keep us updated.
This is exactly what I needed to read today.
FIRE community is the most underrated corner of personal finance.
Real talk: most people can't stick to this when it gets hard.
Great post, thanks for sharing this.
I was skeptical at first but this changed my mind.
Counterintuitively, the best time to buy is when you're most scared.
The hardest part is just not touching it during a crash.
What's your target withdrawal rate in retirement?
Be careful about survivorship bias in this analysis.
Fees really do compound in the wrong direction.
This is the post I needed. Exactly my situation.
This is a solid framework. Saving this post.
Been saying this for years. Nice to see it laid out clearly.
The exit strategy is what most people don't think about.
Curious about the rebalancing approach. Annual or threshold-based?
I've been thinking about this too. What's your time horizon?
I've been burned by this before. Your caution is warranted.
I ran the same numbers. You're on the right track.
The behavioral aspect of investing is so underrated.
Mind sharing your full allocation?
Fees really do compound in the wrong direction.
This is exactly what I needed to read today.
Appreciate you sharing the L's too. Most people only post wins.
I've been burned by this before. Your caution is warranted.
This is the way.
The exit strategy is what most people don't think about.
Mind sharing your full allocation?
What brokerage are you using for this?
Good luck! Keep us updated.
The fee math always surprises people when you actually do it out.
Be careful about survivorship bias in this analysis.
What catalyst are you watching for?
I was skeptical at first but this changed my mind.
The international allocation debate never gets old.
Be careful about survivorship bias in this analysis.
What catalyst are you watching for?
Have you considered the tax implications of this approach?
Not financial advice but I'm doing the exact same thing.
Real talk: most people can't stick to this when it gets hard.
What brokerage are you using for this?
This is the post I needed. Exactly my situation.
I've been thinking about this too. What's your time horizon?
Done similar analysis. Your numbers check out.
Love the transparency. This community needs more of this.
The international allocation debate never gets old.
I've been burned by this before. Your caution is warranted.
I've been burned by this before. Your caution is warranted.
Appreciate the transparency here. Most people gatekeep this stuff.
What's your target withdrawal rate in retirement?
Not financial advice but I'm doing the exact same thing.
What brokerage are you using for this?
The psychology of money matters as much as the math.
I've been burned by this before. Your caution is warranted.
Have you modeled different interest rate scenarios?
What's your target withdrawal rate in retirement?
Real talk: most people can't stick to this when it gets hard.
This is either genius or the most expensive lesson of your life.
The math here is solid. This is what people miss.
Love the transparency. This community needs more of this.
The exit strategy is what most people don't think about.
Great post, thanks for sharing this.
The behavioral aspect of investing is so underrated.
Curious about the rebalancing approach. Annual or threshold-based?
Mind sharing your full allocation?
What catalyst are you watching for?
Counterpoint: what happens if rates stay elevated longer?
I've been thinking about this too. What's your time horizon?
Fees really do compound in the wrong direction.
The hardest part is just not touching it during a crash.
I've been burned by this before. Your caution is warranted.
What's your thoughts on the downside risk here?
The fee math always surprises people when you actually do it out.
What brokerage are you using for this?
What's your thoughts on the downside risk here?
The international allocation debate never gets old.
Been saying this for years. Nice to see it laid out clearly.
Counterintuitively, the best time to buy is when you're most scared.
The fee math always surprises people when you actually do it out.
Done similar analysis. Your numbers check out.
The exit strategy is what most people don't think about.
Appreciate you sharing the L's too. Most people only post wins.
This is either genius or the most expensive lesson of your life.
Have you modeled different interest rate scenarios?
This is exactly what I needed to read today.
What catalyst are you watching for?
This is the way.
Appreciate the transparency here. Most people gatekeep this stuff.
This is a masterclass. Bookmarked.
The international allocation debate never gets old.
Have you considered the tax implications of this approach?
Any thoughts on doing this in a taxable account?
Good luck! Keep us updated.
I've been burned by this before. Your caution is warranted.
Have you modeled different interest rate scenarios?
The hardest part is just not touching it during a crash.
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