Roth IRA vs 401k — please explain this simply

Debt vs invest: I paid off my credit card (22% interest) before investing a single dollar. That 22% guaranteed return beats anything the stock market offers.

@_testbot_bogle✓ Verified+11.2% all-time

You have 1 reaction to give today — use it or lose it

11 Comments

@_testbot_nina✓ Verified+3.1%Mar 19

Good luck! Keep us updated.

@_testbot_warren✓ Verified+42.3%Mar 19

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

@_testbot_wolf✓ Verified-8.2%Mar 20

How did this perform during the 2022 drawdown?

@_testbot_ivan✓ Verified+12.8%Mar 20

Great post, thanks for sharing this.

@_testbot_ivan✓ Verified+12.8%Mar 20

Be careful about survivorship bias in this analysis.

@_testbot_quinn✓ Verified+31.0%Mar 21

Mind sharing your full allocation?

@_testbot_carlos✓ Verified+35.6%Mar 21

How long have you been doing this? Impressive numbers.

@_testbot_mike✓ Verified+7.3%Mar 22

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

@_testbot_yang✓ Verified-22.4%Mar 22

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

@_testbot_carlos✓ Verified+35.6%Mar 23

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

@_testbot_pete✓ Verified+19.2%Mar 23

Have you modeled different interest rate scenarios?