Hit 50% savings rate this month — new personal record

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

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

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

Fees really do compound in the wrong direction.

What catalyst are you watching for?

Counterpoint: what happens if rates stay elevated longer?

FIRE community is the most underrated corner of personal finance.

The behavioral aspect of investing is so underrated.

Have you considered the tax implications of this approach?

Have you modeled different interest rate scenarios?

I respectfully disagree. The data suggests otherwise.

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

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

This is a solid framework. Saving this post.

Good luck! Keep us updated.

Have you considered the tax implications of this approach?

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

Fees really do compound in the wrong direction.

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

What catalyst are you watching for?

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

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

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

Great post, thanks for sharing this.

Great post, thanks for sharing this.

What brokerage are you using for this?

FIRE community is the most underrated corner of personal finance.

What's your target withdrawal rate in retirement?

The international allocation debate never gets old.

The behavioral aspect of investing is so underrated.

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

Good luck! Keep us updated.

Good luck! Keep us updated.

The psychology of money matters as much as the math.

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

Any thoughts on doing this in a taxable account?

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

Have you stress tested this against a 40% drawdown?

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

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

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

Done similar analysis. Your numbers check out.

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

This is a masterclass. Bookmarked.

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

This is exactly what I needed to read today.

Have you modeled different interest rate scenarios?

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

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

What catalyst are you watching for?

Mind sharing your full allocation?

Great post, thanks for sharing this.

Appreciate the transparency here. Most people gatekeep this stuff.

Done similar analysis. Your numbers check out.

FIRE community is the most underrated corner of personal finance.

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

Counterpoint: what happens if rates stay elevated longer?

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

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

I was skeptical at first but this changed my mind.

The international allocation debate never gets old.

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

How long have you been doing this? Impressive numbers.

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

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

Have you considered the tax implications of this approach?

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

This is a masterclass. Bookmarked.

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

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

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

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

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

Love the transparency. This community needs more of this.

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

Done similar analysis. Your numbers check out.

This is exactly what I needed to read today.

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

How did this perform during the 2022 drawdown?

Be careful about survivorship bias in this analysis.

Love the transparency. This community needs more of this.

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

This is a masterclass. Bookmarked.

I respectfully disagree. The data suggests otherwise.

This is a masterclass. Bookmarked.

Great post, thanks for sharing this.

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

Have you considered the tax implications of this approach?

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

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.

The behavioral aspect of investing is so underrated.

Counterpoint: what happens if rates stay elevated longer?