Post-divorce financial rebuild — starting over at 41

The psychology of money matters as much as the math.

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

FIRE community is the most underrated corner of personal finance.

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

I was skeptical at first but this changed my mind.

Appreciate the transparency here. Most people gatekeep this stuff.

Be careful about survivorship bias in this analysis.

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

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

Good luck! Keep us updated.

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

FIRE community is the most underrated corner of personal finance.

Counterpoint: what happens if rates stay elevated longer?

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

Good luck! Keep us updated.

This is a masterclass. Bookmarked.

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

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

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

Have you stress tested this against a 40% drawdown?

Fees really do compound in the wrong direction.

The psychology of money matters as much as the math.

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

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

This is a solid framework. Saving this post.

Be careful about survivorship bias in this analysis.

FIRE community is the most underrated corner of personal finance.

Appreciate the transparency here. Most people gatekeep this stuff.

Have you considered the tax implications of this approach?

Be careful about survivorship bias in this analysis.

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

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

Counterpoint: what happens if rates stay elevated longer?

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

The psychology of money matters as much as the math.

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

Good luck! Keep us updated.

Have you modeled different interest rate scenarios?

Have you stress tested this against a 40% drawdown?

What's your target withdrawal rate in retirement?

How did this perform during the 2022 drawdown?

Have you modeled different interest rate scenarios?

This is a masterclass. Bookmarked.

I was skeptical at first but this changed my mind.

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

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

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

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

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

The international allocation debate never gets old.

FIRE community is the most underrated corner of personal finance.

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

Counterpoint: what happens if rates stay elevated longer?

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

This is a solid framework. Saving this post.

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

Be careful about survivorship bias in this analysis.

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

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

What's your thoughts on the downside risk here?

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

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

How did this perform during the 2022 drawdown?

Appreciate the transparency here. Most people gatekeep this stuff.

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

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

I was skeptical at first but this changed my mind.

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