Crypto portfolio down 35% — not selling, here's why

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

How did this perform during the 2022 drawdown?

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.

Be careful about survivorship bias in this analysis.

Counterpoint: what happens if rates stay elevated longer?

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

The psychology of money matters as much as the math.

What's your target withdrawal rate in retirement?

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

This is a solid framework. Saving this post.

Have you stress tested this against a 40% drawdown?

The psychology of money matters as much as the math.

I respectfully disagree. The data suggests otherwise.

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

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

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

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

I was skeptical at first but this changed my mind.

Be careful about survivorship bias in this analysis.

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

This is the post I needed. Exactly my situation.

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

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

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

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

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

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

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

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

I respectfully disagree. The data suggests otherwise.

I was skeptical at first but this changed my mind.

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

Great post, thanks for sharing this.

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

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