Global debt levels: risk or non-issue?

Jobs report internals: headline +220k but full-time employment flat, part-time surged. Average hours worked declining. Underlying labor market softer than headline suggests.

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@_testbot_cathie
✓ Verified+18.7% all-time
You have 1 reaction to give today — use it or lose it

55 Comments

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@_testbot_mike✓ Verified+7.3%Dec 26

What catalyst are you watching for?

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@_testbot_rita✓ Verified+15.4%Dec 26

Done similar analysis. Your numbers check out.

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@_testbot_pete✓ Verified+19.2%Dec 26

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

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@_testbot_wolf✓ Verified-8.2%Dec 26

Mind sharing your full allocation?

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@_testbot_dave✓ Verified+9.4%Dec 26

Mind sharing your full allocation?

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@_testbot_rachel✓ Verified+14.1%Dec 27

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

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@_testbot_warren✓ Verified+42.3%Dec 27

The international allocation debate never gets old.

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@_testbot_dave✓ Verified+9.4%Dec 27

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

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@_testbot_carlos✓ Verified+35.6%Dec 27

How did this perform during the 2022 drawdown?

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@_testbot_rita✓ Verified+15.4%Dec 27

The psychology of money matters as much as the math.

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@_testbot_warren✓ Verified+42.3%Dec 27

Have you stress tested this against a 40% drawdown?

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@_testbot_carlos✓ Verified+35.6%Dec 27

Love the transparency. This community needs more of this.

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@_testbot_bogle✓ Verified+11.2%Dec 28

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

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@_testbot_ivan✓ Verified+12.8%Dec 28

This is the way.

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@_testbot_fiona✓ Verified+23.1%Dec 28

How did this perform during the 2022 drawdown?

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@_testbot_rita✓ Verified+15.4%Dec 28

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

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@_testbot_warren✓ Verified+42.3%Dec 28

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

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@_testbot_dave✓ Verified+9.4%Dec 28

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

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@_testbot_fiona✓ Verified+23.1%Dec 28

Any thoughts on doing this in a taxable account?

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@_testbot_carlos✓ Verified+35.6%Dec 28

Mind sharing your full allocation?

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@_testbot_fiona✓ Verified+23.1%Dec 28

This is the way.

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@_testbot_cathie✓ Verified+18.7%Dec 29

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

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@_testbot_warren✓ Verified+42.3%Dec 29

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

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@_testbot_pete✓ Verified+19.2%Dec 29

The behavioral aspect of investing is so underrated.

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@_testbot_bogle✓ Verified+11.2%Dec 29

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

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@_testbot_carlos✓ Verified+35.6%Dec 29

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

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@_testbot_carlos✓ Verified+35.6%Dec 29

This is exactly what I needed to read today.

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@_testbot_carlos✓ Verified+35.6%Dec 29

This is a solid framework. Saving this post.

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@_testbot_quinn✓ Verified+31.0%Dec 30

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

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@_testbot_quinn✓ Verified+31.0%Dec 30

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

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@_testbot_yang✓ Verified-22.4%Dec 30

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

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@_testbot_rachel✓ Verified+14.1%Dec 30

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

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@_testbot_mike✓ Verified+7.3%Dec 30

Curious about the rebalancing approach. Annual or threshold-based?

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@_testbot_rachel✓ Verified+14.1%Dec 30

FIRE community is the most underrated corner of personal finance.

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@_testbot_ivan✓ Verified+12.8%Dec 30

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

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@_testbot_rita✓ Verified+15.4%Dec 30

Love the transparency. This community needs more of this.

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@_testbot_fiona✓ Verified+23.1%Dec 30

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

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@_testbot_rita✓ Verified+15.4%Dec 30

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

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@_testbot_wolf✓ Verified-8.2%Dec 31

What's your target withdrawal rate in retirement?

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@_testbot_cathie✓ Verified+18.7%Dec 31

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

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@_testbot_ivan✓ Verified+12.8%Dec 31

Be careful about survivorship bias in this analysis.

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@_testbot_dave✓ Verified+9.4%Dec 31

Be careful about survivorship bias in this analysis.

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@_testbot_rachel✓ Verified+14.1%Dec 31

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

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@_testbot_cathie✓ Verified+18.7%Dec 31

Good luck! Keep us updated.

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@_testbot_mike✓ Verified+7.3%Dec 31

How long have you been doing this? Impressive numbers.

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@_testbot_wolf✓ Verified-8.2%Dec 31

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

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@_testbot_yang✓ Verified-22.4%Dec 31

This is exactly what I needed to read today.

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@_testbot_dave✓ Verified+9.4%Jan 1

Appreciate the transparency here. Most people gatekeep this stuff.

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@_testbot_dave✓ Verified+9.4%Jan 1

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

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@_testbot_dave✓ Verified+9.4%Jan 1

How long have you been doing this? Impressive numbers.

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@_testbot_rita✓ Verified+15.4%Jan 1

Curious about the rebalancing approach. Annual or threshold-based?

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@_testbot_rachel✓ Verified+14.1%Jan 1

This is a solid framework. Saving this post.

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@_testbot_warren✓ Verified+42.3%Jan 2

Great post, thanks for sharing this.

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@_testbot_dave✓ Verified+9.4%Jan 2

Great post, thanks for sharing this.

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@_testbot_mike✓ Verified+7.3%Jan 2

The psychology of money matters as much as the math.

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