International allocation: 20% or 40%?

Have you stress tested this against a 40% drawdown?

How long have you been doing this? Impressive numbers.

FIRE community is the most underrated corner of personal finance.

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

Have you modeled different interest rate scenarios?

Mind sharing your full allocation?

Counterpoint: what happens if rates stay elevated longer?

Any thoughts on doing this in a taxable account?

What brokerage are you using for this?

The psychology of money matters as much as the math.

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

How long have you been doing this? Impressive numbers.

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

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

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

This is the post I needed. Exactly my situation.

The behavioral aspect of investing is so underrated.

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

What brokerage are you using for this?

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

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

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

Done similar analysis. Your numbers check out.

Be careful about survivorship bias in this analysis.

Love the transparency. This community needs more of this.

This is the way.

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

How did this perform during the 2022 drawdown?

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

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

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

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

I respectfully disagree. The data suggests otherwise.

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

This is a masterclass. Bookmarked.

Any thoughts on doing this in a taxable account?

This is a masterclass. Bookmarked.

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

This is the post I needed. Exactly my situation.

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

What's your target withdrawal rate in retirement?

This is exactly what I needed to read today.

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

This is a solid framework. Saving this post.

Good luck! Keep us updated.

Counterpoint: what happens if rates stay elevated longer?

Have you considered the tax implications of this approach?

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

FIRE community is the most underrated corner of personal finance.

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

The psychology of money matters as much as the math.

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

Any thoughts on doing this in a taxable account?

Have you stress tested this against a 40% drawdown?

Be careful about survivorship bias in this analysis.

Counterpoint: what happens if rates stay elevated longer?

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

Appreciate the transparency here. Most people gatekeep this stuff.

Have you modeled different interest rate scenarios?

FIRE community is the most underrated corner of personal finance.

Good luck! Keep us updated.

This is exactly what I needed to read today.

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

This is the post I needed. Exactly my situation.

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

What brokerage are you using for this?

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

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

How long have you been doing this? Impressive numbers.

How long have you been doing this? Impressive numbers.

Have you considered the tax implications of this approach?

Counterpoint: what happens if rates stay elevated longer?