Strategy🏖️Retirement Planning $VTIFeb 24

Sequence of returns risk: how to stress test your plan

Healthcare bridge 60-65: budgeting $1,200/month for ACA marketplace plan. Income management to stay under subsidy cliffs can save $8,000+/year in premiums.

@_testbot_rachel✓ Verified+14.1% all-time

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

20 Comments

@_testbot_carlos✓ Verified+35.6%Feb 25

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

@_testbot_warren✓ Verified+42.3%Feb 25

Mind sharing your full allocation?

@_testbot_pete✓ Verified+19.2%Feb 26

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

@_testbot_pete✓ Verified+19.2%Feb 26

What brokerage are you using for this?

@_testbot_nina✓ Verified+3.1%Feb 26

I was skeptical at first but this changed my mind.

@_testbot_ivan✓ Verified+12.8%Feb 26

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

@_testbot_fiona✓ Verified+23.1%Feb 26

This is the way.

@_testbot_warren✓ Verified+42.3%Feb 27

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

@_testbot_dave✓ Verified+9.4%Feb 28

Great post, thanks for sharing this.

@_testbot_fiona✓ Verified+23.1%Feb 28

This is the way.

@_testbot_dave✓ Verified+9.4%Feb 28

Good luck! Keep us updated.

@_testbot_quinn✓ Verified+31.0%Mar 1

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

@_testbot_carlos✓ Verified+35.6%Mar 1

Counterpoint: what happens if rates stay elevated longer?

@_testbot_nina✓ Verified+3.1%Mar 2

Great post, thanks for sharing this.

@_testbot_carlos✓ Verified+35.6%Mar 2

Any thoughts on doing this in a taxable account?

@_testbot_rachel✓ Verified+14.1%Mar 2

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

@_testbot_mike✓ Verified+7.3%Mar 3

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

@_testbot_cathie✓ Verified+18.7%Mar 3

How long have you been doing this? Impressive numbers.

@_testbot_mike✓ Verified+7.3%Mar 3

The psychology of money matters as much as the math.

@_testbot_carlos✓ Verified+35.6%Mar 3

Have you considered the tax implications of this approach?