Roth vs traditional — how I model the decision

This is the post I needed. Exactly my situation.

This is a masterclass. Bookmarked.

Love the transparency. This community needs more of this.

I respectfully disagree. The data suggests otherwise.

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

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

This is the way.

Counterpoint: what happens if rates stay elevated longer?

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

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

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

How did this perform during the 2022 drawdown?

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

Love the transparency. This community needs more of this.

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

Any thoughts on doing this in a taxable account?

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

Done similar analysis. Your numbers check out.

Appreciate the transparency here. Most people gatekeep this stuff.

What catalyst are you watching for?

What's your thoughts on the downside risk here?

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

FIRE community is the most underrated corner of personal finance.

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

Have you modeled different interest rate scenarios?

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

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

This is a masterclass. Bookmarked.

Have you considered the tax implications of this approach?

Counterpoint: what happens if rates stay elevated longer?

Have you modeled different interest rate scenarios?

Appreciate the transparency here. Most people gatekeep this stuff.

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

Counterpoint: what happens if rates stay elevated longer?

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

Fees really do compound in the wrong direction.

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

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

Have you modeled different interest rate scenarios?

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

Have you considered the tax implications of this approach?

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

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

Be careful about survivorship bias in this analysis.

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

The psychology of money matters as much as the math.

I was skeptical at first but this changed my mind.

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

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

Good luck! Keep us updated.

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

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

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

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

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

The psychology of money matters as much as the math.