Finally hit a major milestone today — sharing my journey

FIRE community is the most underrated corner of personal finance.

I respectfully disagree. The data suggests otherwise.

This is a solid framework. Saving this post.

Done similar analysis. Your numbers check out.

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

What's your target withdrawal rate in retirement?

Have you considered the tax implications of this approach?

Be careful about survivorship bias in this analysis.

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

Fees really do compound in the wrong direction.

What's your target withdrawal rate in retirement?

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

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

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

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

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

Love the transparency. This community needs more of this.

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

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

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

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

How did this perform during the 2022 drawdown?

I respectfully disagree. The data suggests otherwise.

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

The psychology of money matters as much as the math.

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

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

How long have you been doing this? Impressive numbers.

What catalyst are you watching for?

Be careful about survivorship bias in this analysis.

Fees really do compound in the wrong direction.

How long have you been doing this? Impressive numbers.

I respectfully disagree. The data suggests otherwise.

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

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

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

Good luck! Keep us updated.

Mind sharing your full allocation?

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

This is a masterclass. Bookmarked.

This is exactly what I needed to read today.

This is the way.

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

What's your target withdrawal rate in retirement?

The behavioral aspect of investing is so underrated.

Have you modeled different interest rate scenarios?

Have you considered the tax implications of this approach?

This is a masterclass. Bookmarked.

Have you stress tested this against a 40% drawdown?

Counterpoint: what happens if rates stay elevated longer?

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

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

The behavioral aspect of investing is so underrated.