Small cap tilt: yes or no?

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

I was skeptical at first but this changed my mind.

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

This is exactly what I needed to read today.

Counterpoint: what happens if rates stay elevated longer?

Fees really do compound in the wrong direction.

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

The international allocation debate never gets old.

What brokerage are you using for this?

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

This is a masterclass. Bookmarked.

This is the post I needed. Exactly my situation.

How did this perform during the 2022 drawdown?

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

What catalyst are you watching for?

Done similar analysis. Your numbers check out.

This is exactly what I needed to read today.

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

What's your target withdrawal rate in retirement?

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

How long have you been doing this? Impressive numbers.

Have you stress tested this against a 40% drawdown?

Have you considered the tax implications of this approach?

The psychology of money matters as much as the math.

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

Have you considered the tax implications of this approach?

What catalyst are you watching for?

What's your target withdrawal rate in retirement?

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

I was skeptical at first but this changed my mind.

Love the transparency. This community needs more of this.

What catalyst are you watching for?

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

How did this perform during the 2022 drawdown?

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

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

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

I was skeptical at first but this changed my mind.

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

Mind sharing your full allocation?

Any thoughts on doing this in a taxable account?

What brokerage are you using for this?

What's your target withdrawal rate in retirement?

Counterpoint: what happens if rates stay elevated longer?

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

What's your thoughts on the downside risk here?

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

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

How long have you been doing this? Impressive numbers.

Have you considered the tax implications of this approach?

Love the transparency. This community needs more of this.

Have you considered the tax implications of this approach?

I was skeptical at first but this changed my mind.

Have you stress tested this against a 40% drawdown?