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

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

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

Great post, thanks for sharing this.

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

How did this perform during the 2022 drawdown?

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

What brokerage are you using for this?

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

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

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

What's your target withdrawal rate in retirement?

This is a solid framework. Saving this post.

What's your thoughts on the downside risk here?

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

This is a solid framework. Saving this post.

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

Any thoughts on doing this in a taxable account?

Have you modeled different interest rate scenarios?

Have you stress tested this against a 40% drawdown?

Any thoughts on doing this in a taxable account?

Great post, thanks for sharing this.

Have you considered the tax implications of this approach?

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

Good luck! Keep us updated.

Any thoughts on doing this in a taxable account?

This is the way.

What brokerage are you using for this?

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

What's your thoughts on the downside risk here?

This is a masterclass. Bookmarked.

The psychology of money matters as much as the math.

Have you considered the tax implications of this approach?

Fees really do compound in the wrong direction.

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

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

What catalyst are you watching for?

This is the post I needed. Exactly my situation.

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

FIRE community is the most underrated corner of personal finance.

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

How long have you been doing this? Impressive numbers.

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

How long have you been doing this? Impressive numbers.

What brokerage are you using for this?

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

Fees really do compound in the wrong direction.

Have you stress tested this against a 40% drawdown?

Have you considered the tax implications of this approach?

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

Fees really do compound in the wrong direction.

The international allocation debate never gets old.

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

Have you modeled different interest rate scenarios?

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

Love the transparency. This community needs more of this.

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

Have you modeled different interest rate scenarios?

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

This is the way.

Great post, thanks for sharing this.

How long have you been doing this? Impressive numbers.

Good luck! Keep us updated.

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

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

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

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

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

Fees really do compound in the wrong direction.

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

The behavioral aspect of investing is so underrated.

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

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

Good luck! Keep us updated.

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

The international allocation debate never gets old.

Any thoughts on doing this in a taxable account?

The behavioral aspect of investing is so underrated.

Be careful about survivorship bias in this analysis.

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

Mind sharing your full allocation?

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

What's your thoughts on the downside risk here?

Appreciate the transparency here. Most people gatekeep this stuff.

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

Love the transparency. This community needs more of this.

Love the transparency. This community needs more of this.

Counterpoint: what happens if rates stay elevated longer?

What's your target withdrawal rate in retirement?

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

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

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

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

What catalyst are you watching for?

Love the transparency. This community needs more of this.

Any thoughts on doing this in a taxable account?

Good luck! Keep us updated.

What's your target withdrawal rate in retirement?

Good luck! Keep us updated.

Fees really do compound in the wrong direction.

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