Credit spreads as a leading indicator — what I'm watching

Have you modeled different interest rate scenarios?

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

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

I respectfully disagree. The data suggests otherwise.

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

Good luck! Keep us updated.

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

I was skeptical at first but this changed my mind.

Any thoughts on doing this in a taxable account?

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

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

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

What's your target withdrawal rate in retirement?

How did this perform during the 2022 drawdown?

Done similar analysis. Your numbers check out.

Appreciate the transparency here. Most people gatekeep this stuff.

The psychology of money matters as much as the math.

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

This is the way.

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

The international allocation debate never gets old.

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

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

Love the transparency. This community needs more of this.

How long have you been doing this? Impressive numbers.

Appreciate the transparency here. Most people gatekeep this stuff.

The international allocation debate never gets old.

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

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

Have you considered the tax implications of this approach?

This is the way.

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

Great post, thanks for sharing this.

Any thoughts on doing this in a taxable account?

Great post, thanks for sharing this.

What brokerage are you using for this?

What brokerage are you using for this?

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

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

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

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

What's your target withdrawal rate in retirement?

Have you stress tested this against a 40% drawdown?

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

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

How did this perform during the 2022 drawdown?

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

The international allocation debate never gets old.

The international allocation debate never gets old.

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

Have you modeled different interest rate scenarios?

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

This is exactly what I needed to read today.

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

Appreciate the transparency here. Most people gatekeep this stuff.

This is exactly what I needed to read today.

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

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

Be careful about survivorship bias in this analysis.

The behavioral aspect of investing is so underrated.

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

Have you considered the tax implications of this approach?

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

Have you stress tested this against a 40% drawdown?

Have you modeled different interest rate scenarios?

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

How long have you been doing this? Impressive numbers.

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

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

This is a masterclass. Bookmarked.

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

Have you modeled different interest rate scenarios?

What's your thoughts on the downside risk here?