The moat framework: how I evaluate competitive advantage

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

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

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

This is the post I needed. Exactly my situation.

How did this perform during the 2022 drawdown?

Appreciate the transparency here. Most people gatekeep this stuff.

The international allocation debate never gets old.

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

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

Have you modeled different interest rate scenarios?

This is a solid framework. Saving this post.

Counterpoint: what happens if rates stay elevated longer?

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

I was skeptical at first but this changed my mind.

Done similar analysis. Your numbers check out.

This is a solid framework. Saving this post.

This is a solid framework. Saving this post.

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

What catalyst are you watching for?

Done similar analysis. Your numbers check out.

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

The psychology of money matters as much as the math.

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

Great post, thanks for sharing this.

Counterpoint: what happens if rates stay elevated longer?

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

Have you stress tested this against a 40% drawdown?

What's your target withdrawal rate in retirement?

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

Have you stress tested this against a 40% drawdown?