Roth vs traditional — how I model the decision
The math on expense ratios is eye-opening. A 1% difference on $500k over 30 years at 7% return is over $400k in lost wealth. Fees are the only guaranteed headwind in investing.
83 Comments
Have you stress tested this against a 40% drawdown?
The behavioral aspect of investing is so underrated.
This is exactly what I needed to read today.
Have you modeled different interest rate scenarios?
Curious about the rebalancing approach. Annual or threshold-based?
This is why I come to this community. Real numbers, real analysis.
What brokerage are you using for this?
Appreciate you sharing the L's too. Most people only post wins.
Counterintuitively, the best time to buy is when you're most scared.
Exactly. The sequence-of-returns issue is severely underappreciated.
What's your thoughts on the downside risk here?
Done similar analysis. Your numbers check out.
I've been thinking about this too. What's your time horizon?
Exactly. The sequence-of-returns issue is severely underappreciated.
How does this compare to just buying VTI and forgetting about it?
The hardest part is just not touching it during a crash.
The psychology of money matters as much as the math.
Curious about the rebalancing approach. Annual or threshold-based?
This is a solid framework. Saving this post.
This is essentially what a financial advisor charges $5k to tell you.
Exactly. The sequence-of-returns issue is severely underappreciated.
This is exactly what I needed to read today.
Done similar analysis. Your numbers check out.
The exit strategy is what most people don't think about.
Appreciate the transparency here. Most people gatekeep this stuff.
This is the post I needed. Exactly my situation.
The behavioral aspect of investing is so underrated.
Mind sharing your full allocation?
Not financial advice but I'm doing the exact same thing.
The compounding at year 20+ is when it gets really wild.
Be careful about survivorship bias in this analysis.
Appreciate you sharing the L's too. Most people only post wins.
This is why I come to this community. Real numbers, real analysis.
This is the post I needed. Exactly my situation.
The math here is solid. This is what people miss.
The international allocation debate never gets old.
The fee math always surprises people when you actually do it out.
Any thoughts on doing this in a taxable account?
What catalyst are you watching for?
This is why I come to this community. Real numbers, real analysis.
Be careful about survivorship bias in this analysis.
Love the transparency. This community needs more of this.
This is a masterclass. Bookmarked.
The compounding at year 20+ is when it gets really wild.
Interesting perspective. I see it differently — happy to elaborate.
I respectfully disagree. The data suggests otherwise.
FIRE community is the most underrated corner of personal finance.
Be careful about survivorship bias in this analysis.
The psychology of money matters as much as the math.
Great post, thanks for sharing this.
Fees really do compound in the wrong direction.
I've been thinking about this too. What's your time horizon?
I respectfully disagree. The data suggests otherwise.
The fee math always surprises people when you actually do it out.
How did this perform during the 2022 drawdown?
The math here is solid. This is what people miss.
How did this perform during the 2022 drawdown?
This is why I come to this community. Real numbers, real analysis.
Interesting perspective. I see it differently — happy to elaborate.
This is the post I needed. Exactly my situation.
Fees really do compound in the wrong direction.
Have you considered the tax implications of this approach?
What's your target withdrawal rate in retirement?
Done similar analysis. Your numbers check out.
The fee math always surprises people when you actually do it out.
This is either genius or the most expensive lesson of your life.
I respectfully disagree. The data suggests otherwise.
What catalyst are you watching for?
Exactly. The sequence-of-returns issue is severely underappreciated.
The behavioral aspect of investing is so underrated.
Good luck! Keep us updated.
Appreciate you sharing the L's too. Most people only post wins.
Mind sharing your full allocation?
How did this perform during the 2022 drawdown?
The international allocation debate never gets old.
I ran the same numbers. You're on the right track.
Exactly. The sequence-of-returns issue is severely underappreciated.
The compounding at year 20+ is when it gets really wild.
Love the transparency. This community needs more of this.
Done similar analysis. Your numbers check out.
Counterpoint: what happens if rates stay elevated longer?
The compounding at year 20+ is when it gets really wild.
Curious about the rebalancing approach. Annual or threshold-based?
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