Made my first trade: bought $AAPL. Good or bad?
Expense ratio realization: I was in a target date fund with 0.75% ER. Switched to same fund at 0.12% ER. That difference on $50k over 30 years at 7% is over $80,000.
40 Comments
I ran the same numbers. You're on the right track.
This is a masterclass. Bookmarked.
Have you modeled different interest rate scenarios?
I was skeptical at first but this changed my mind.
How long have you been doing this? Impressive numbers.
This is the post I needed. Exactly my situation.
Great post, thanks for sharing this.
The math here is solid. This is what people miss.
Good luck! Keep us updated.
How does this compare to just buying VTI and forgetting about it?
The fee math always surprises people when you actually do it out.
How long have you been doing this? Impressive numbers.
What's your target withdrawal rate in retirement?
Have you considered the tax implications of this approach?
What's your thoughts on the downside risk here?
This is why I come to this community. Real numbers, real analysis.
Fees really do compound in the wrong direction.
The hardest part is just not touching it during a crash.
The behavioral aspect of investing is so underrated.
This is either genius or the most expensive lesson of your life.
I've been burned by this before. Your caution is warranted.
The psychology of money matters as much as the math.
This is the post I needed. Exactly my situation.
This is a masterclass. Bookmarked.
How did this perform during the 2022 drawdown?
Been saying this for years. Nice to see it laid out clearly.
Been saying this for years. Nice to see it laid out clearly.
This is either genius or the most expensive lesson of your life.
Have you stress tested this against a 40% drawdown?
How does this compare to just buying VTI and forgetting about it?
The psychology of money matters as much as the math.
This is a solid framework. Saving this post.
Interesting perspective. I see it differently — happy to elaborate.
Mind sharing your full allocation?
The fee math always surprises people when you actually do it out.
FIRE community is the most underrated corner of personal finance.
Exactly. The sequence-of-returns issue is severely underappreciated.
Not financial advice but I'm doing the exact same thing.
Interesting perspective. I see it differently — happy to elaborate.
Real talk: most people can't stick to this when it gets hard.
Sign in to leave a comment
Sign In