Sequence of returns risk — my first-decade strategy

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

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

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

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

Fees really do compound in the wrong direction.

FIRE community is the most underrated corner of personal finance.

What brokerage are you using for this?

Good luck! Keep us updated.

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

Have you stress tested this against a 40% drawdown?

Done similar analysis. Your numbers check out.

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

Have you considered the tax implications of this approach?

Any thoughts on doing this in a taxable account?

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

Any thoughts on doing this in a taxable account?

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

This is the way.

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

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

FIRE community is the most underrated corner of personal finance.

What's your thoughts on the downside risk here?

I respectfully disagree. The data suggests otherwise.

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

This is the way.

This is the way.

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

Have you modeled different interest rate scenarios?

Love the transparency. This community needs more of this.

I was skeptical at first but this changed my mind.

The behavioral aspect of investing is so underrated.

Appreciate the transparency here. Most people gatekeep this stuff.

This is a solid framework. Saving this post.

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

How did this perform during the 2022 drawdown?

This is the post I needed. Exactly my situation.

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

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

Counterpoint: what happens if rates stay elevated longer?

Love the transparency. This community needs more of this.

Have you stress tested this against a 40% drawdown?

Counterpoint: what happens if rates stay elevated longer?

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

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

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

This is exactly what I needed to read today.

The international allocation debate never gets old.

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

Appreciate the transparency here. Most people gatekeep this stuff.

This is a masterclass. Bookmarked.

Counterpoint: what happens if rates stay elevated longer?

This is a solid framework. Saving this post.

FIRE community is the most underrated corner of personal finance.

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

Mind sharing your full allocation?

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

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

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

Great post, thanks for sharing this.

Good luck! Keep us updated.

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

Love the transparency. This community needs more of this.

What brokerage are you using for this?

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

This is exactly what I needed to read today.

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

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

Have you considered the tax implications of this approach?

FIRE community is the most underrated corner of personal finance.

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

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

Have you stress tested this against a 40% drawdown?

Any thoughts on doing this in a taxable account?

Counterpoint: what happens if rates stay elevated longer?

I was skeptical at first but this changed my mind.

The psychology of money matters as much as the math.

Fees really do compound in the wrong direction.

What's your thoughts on the downside risk here?

Love the transparency. This community needs more of this.

Have you modeled different interest rate scenarios?

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

Done similar analysis. Your numbers check out.

Be careful about survivorship bias in this analysis.

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

What brokerage are you using for this?

I was skeptical at first but this changed my mind.

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

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

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

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

This is the way.

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

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

Counterpoint: what happens if rates stay elevated longer?

Appreciate the transparency here. Most people gatekeep this stuff.

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