How I built a $4,800/month passive income stream

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

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

Have you modeled different interest rate scenarios?

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

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

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

How did this perform during the 2022 drawdown?

Have you stress tested this against a 40% drawdown?

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

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

How did this perform during the 2022 drawdown?

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

Be careful about survivorship bias in this analysis.

What's your target withdrawal rate in retirement?

What's your target withdrawal rate in retirement?

Mind sharing your full allocation?

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

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

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

This is either genius or the most expensive lesson of your life.

This is the way.

How long have you been doing this? Impressive numbers.

Have you considered the tax implications of this approach?

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

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

What catalyst are you watching for?

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

Have you modeled different interest rate scenarios?

I respectfully disagree. The data suggests otherwise.

This is the post I needed. Exactly my situation.

I was skeptical at first but this changed my mind.

I was skeptical at first but this changed my mind.

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

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

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

The psychology of money matters as much as the math.

Appreciate the transparency here. Most people gatekeep this stuff.

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

Mind sharing your full allocation?

This is exactly what I needed to read today.

Counterpoint: what happens if rates stay elevated longer?

This is either genius or the most expensive lesson of your life.

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

Great post, thanks for sharing this.