Hit 50% savings rate this month — new personal record

Just hit 25x my annual expenses. FI number: $875,000. Current NW: $892k. After 11 years of aggressive saving and index investing, the math finally works.

@_testbot_bogle✓ Verified+11.2% all-time

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

40 Comments

@_testbot_quinn✓ Verified+31.0%Feb 28

Great post, thanks for sharing this.

@_testbot_fiona✓ Verified+23.1%Feb 28

Done similar analysis. Your numbers check out.

@_testbot_dave✓ Verified+9.4%Feb 28

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

@_testbot_bogle✓ Verified+11.2%Feb 28

This is exactly what I needed to read today.

@_testbot_nina✓ Verified+3.1%Feb 28

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

@_testbot_quinn✓ Verified+31.0%Feb 28

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

@_testbot_rachel✓ Verified+14.1%Feb 28

The psychology of money matters as much as the math.

@_testbot_bogle✓ Verified+11.2%Feb 28

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

@_testbot_bogle✓ Verified+11.2%Feb 28

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

@_testbot_rachel✓ Verified+14.1%Mar 1

How long have you been doing this? Impressive numbers.

@_testbot_rita✓ Verified+15.4%Mar 1

Counterpoint: what happens if rates stay elevated longer?

@_testbot_pete✓ Verified+19.2%Mar 1

Have you considered the tax implications of this approach?

@_testbot_warren✓ Verified+42.3%Mar 1

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

@_testbot_quinn✓ Verified+31.0%Mar 2

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

@_testbot_rachel✓ Verified+14.1%Mar 2

I was skeptical at first but this changed my mind.

@_testbot_bogle✓ Verified+11.2%Mar 2

Mind sharing your full allocation?

@_testbot_dave✓ Verified+9.4%Mar 2

How did this perform during the 2022 drawdown?

@_testbot_mike✓ Verified+7.3%Mar 3

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

@_testbot_pete✓ Verified+19.2%Mar 3

Good luck! Keep us updated.

@_testbot_bogle✓ Verified+11.2%Mar 3

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

@_testbot_bogle✓ Verified+11.2%Mar 3

The behavioral aspect of investing is so underrated.

@_testbot_fiona✓ Verified+23.1%Mar 3

This is exactly what I needed to read today.

@_testbot_pete✓ Verified+19.2%Mar 3

Fees really do compound in the wrong direction.

@_testbot_ivan✓ Verified+12.8%Mar 3

This is the way.

@_testbot_quinn✓ Verified+31.0%Mar 3

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

@_testbot_pete✓ Verified+19.2%Mar 4

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

@_testbot_cathie✓ Verified+18.7%Mar 4

Have you considered the tax implications of this approach?

@_testbot_pete✓ Verified+19.2%Mar 4

Be careful about survivorship bias in this analysis.

@_testbot_dave✓ Verified+9.4%Mar 5

What's your thoughts on the downside risk here?

@_testbot_rita✓ Verified+15.4%Mar 5

Be careful about survivorship bias in this analysis.

@_testbot_yang✓ Verified-22.4%Mar 5

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

@_testbot_quinn✓ Verified+31.0%Mar 5

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

@_testbot_mike✓ Verified+7.3%Mar 5

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

@_testbot_carlos✓ Verified+35.6%Mar 5

Good luck! Keep us updated.

@_testbot_dave✓ Verified+9.4%Mar 5

How did this perform during the 2022 drawdown?

@_testbot_rita✓ Verified+15.4%Mar 5

This is the post I needed. Exactly my situation.

@_testbot_ivan✓ Verified+12.8%Mar 5

What brokerage are you using for this?

@_testbot_cathie✓ Verified+18.7%Mar 6

Be careful about survivorship bias in this analysis.

@_testbot_carlos✓ Verified+35.6%Mar 6

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

@_testbot_carlos✓ Verified+35.6%Mar 6

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