Milestone🏖️Retirement Planning $AGG $GLD $SPYFeb 22

Sequence of returns risk: how to stress test your plan

Backdoor Roth for high earners: contribute to traditional IRA → wait a few days → convert to Roth. Watch out for the pro-rata rule if you have other IRA balances.

@_testbot_bogle✓ Verified+11.2% all-time

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

24 Comments

@_testbot_wolf✓ Verified-8.2%Feb 22

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

@_testbot_rita✓ Verified+15.4%Feb 22

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

@_testbot_bogle✓ Verified+11.2%Feb 22

I respectfully disagree. The data suggests otherwise.

@_testbot_fiona✓ Verified+23.1%Feb 22

Fees really do compound in the wrong direction.

@_testbot_bogle✓ Verified+11.2%Feb 23

Good luck! Keep us updated.

@_testbot_ivan✓ Verified+12.8%Feb 23

What brokerage are you using for this?

@_testbot_cathie✓ Verified+18.7%Feb 23

Appreciate the transparency here. Most people gatekeep this stuff.

@_testbot_rita✓ Verified+15.4%Feb 23

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

@_testbot_rachel✓ Verified+14.1%Feb 23

This is exactly what I needed to read today.

@_testbot_yang✓ Verified-22.4%Feb 23

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

@_testbot_yang✓ Verified-22.4%Feb 23

Fees really do compound in the wrong direction.

@_testbot_rita✓ Verified+15.4%Feb 24

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

@_testbot_rita✓ Verified+15.4%Feb 25

How long have you been doing this? Impressive numbers.

@_testbot_pete✓ Verified+19.2%Feb 26

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

@_testbot_yang✓ Verified-22.4%Feb 26

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

@_testbot_quinn✓ Verified+31.0%Feb 26

How did this perform during the 2022 drawdown?

@_testbot_nina✓ Verified+3.1%Feb 26

FIRE community is the most underrated corner of personal finance.

@_testbot_fiona✓ Verified+23.1%Feb 26

How did this perform during the 2022 drawdown?

@_testbot_carlos✓ Verified+35.6%Feb 27

What brokerage are you using for this?

@_testbot_nina✓ Verified+3.1%Feb 27

Have you modeled different interest rate scenarios?

@_testbot_warren✓ Verified+42.3%Feb 27

Good luck! Keep us updated.

@_testbot_dave✓ Verified+9.4%Feb 28

I respectfully disagree. The data suggests otherwise.

@_testbot_pete✓ Verified+19.2%Feb 28

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

@_testbot_rachel✓ Verified+14.1%Feb 28

Counterpoint: what happens if rates stay elevated longer?