Officially FI as of today — sharing my complete journey

How did this perform during the 2022 drawdown?

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

Great post, thanks for sharing this.

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

Great post, thanks for sharing this.

Have you stress tested this against a 40% drawdown?

Be careful about survivorship bias in this analysis.

Have you considered the tax implications of this approach?

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

What's your thoughts on the downside risk here?

Have you stress tested this against a 40% drawdown?

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

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

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

Done similar analysis. Your numbers check out.

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

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

The behavioral aspect of investing is so underrated.

The international allocation debate never gets old.

This is the way.

Fees really do compound in the wrong direction.

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

Good luck! Keep us updated.

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

Any thoughts on doing this in a taxable account?

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

Done similar analysis. Your numbers check out.

What catalyst are you watching for?

Appreciate the transparency here. Most people gatekeep this stuff.

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

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

The behavioral aspect of investing is so underrated.

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

Have you considered the tax implications of this approach?

Have you considered the tax implications of this approach?

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

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

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

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