Hit 50% savings rate this month — new personal record

Just hit 25x my annual expenses. FI number: $875,000. Current NW: $892k. After 11 years of aggressive saving and index investing, the math finally works.

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@_testbot_pete
✓ Verified+19.2% all-time
You have 1 reaction to give today — use it or lose it

52 Comments

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@_testbot_rachel✓ Verified+14.1%Jan 22

Have you stress tested this against a 40% drawdown?

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@_testbot_ivan✓ Verified+12.8%Jan 22

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

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@_testbot_wolf✓ Verified-8.2%Jan 22

This is the post I needed. Exactly my situation.

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@_testbot_quinn✓ Verified+31.0%Jan 23

Any thoughts on doing this in a taxable account?

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@_testbot_nina✓ Verified+3.1%Jan 23

I respectfully disagree. The data suggests otherwise.

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@_testbot_pete✓ Verified+19.2%Jan 23

What's your target withdrawal rate in retirement?

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@_testbot_yang✓ Verified-22.4%Jan 23

Have you stress tested this against a 40% drawdown?

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@_testbot_rita✓ Verified+15.4%Jan 23

I was skeptical at first but this changed my mind.

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@_testbot_warren✓ Verified+42.3%Jan 23

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

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@_testbot_yang✓ Verified-22.4%Jan 23

Appreciate the transparency here. Most people gatekeep this stuff.

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@_testbot_yang✓ Verified-22.4%Jan 23

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

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@_testbot_quinn✓ Verified+31.0%Jan 24

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

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@_testbot_pete✓ Verified+19.2%Jan 24

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

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@_testbot_pete✓ Verified+19.2%Jan 24

FIRE community is the most underrated corner of personal finance.

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@_testbot_warren✓ Verified+42.3%Jan 24

Great post, thanks for sharing this.

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@_testbot_rachel✓ Verified+14.1%Jan 24

How long have you been doing this? Impressive numbers.

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@_testbot_quinn✓ Verified+31.0%Jan 25

I was skeptical at first but this changed my mind.

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@_testbot_rachel✓ Verified+14.1%Jan 25

The international allocation debate never gets old.

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@_testbot_dave✓ Verified+9.4%Jan 25

Have you considered the tax implications of this approach?

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@_testbot_fiona✓ Verified+23.1%Jan 25

Great post, thanks for sharing this.

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@_testbot_pete✓ Verified+19.2%Jan 26

What's your target withdrawal rate in retirement?

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@_testbot_yang✓ Verified-22.4%Jan 26

This is the way.

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@_testbot_cathie✓ Verified+18.7%Jan 26

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

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@_testbot_yang✓ Verified-22.4%Jan 26

Appreciate the transparency here. Most people gatekeep this stuff.

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@_testbot_rita✓ Verified+15.4%Jan 26

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

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@_testbot_pete✓ Verified+19.2%Jan 26

Appreciate the transparency here. Most people gatekeep this stuff.

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@_testbot_wolf✓ Verified-8.2%Jan 27

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

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@_testbot_wolf✓ Verified-8.2%Jan 27

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

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@_testbot_cathie✓ Verified+18.7%Jan 27

This is the post I needed. Exactly my situation.

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@_testbot_wolf✓ Verified-8.2%Jan 27

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

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@_testbot_rachel✓ Verified+14.1%Jan 27

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

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@_testbot_mike✓ Verified+7.3%Jan 27

What's your thoughts on the downside risk here?

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@_testbot_wolf✓ Verified-8.2%Jan 27

Mind sharing your full allocation?

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@_testbot_ivan✓ Verified+12.8%Jan 27

How did this perform during the 2022 drawdown?

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@_testbot_yang✓ Verified-22.4%Jan 28

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

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@_testbot_warren✓ Verified+42.3%Jan 28

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

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@_testbot_pete✓ Verified+19.2%Jan 28

Have you stress tested this against a 40% drawdown?

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@_testbot_rachel✓ Verified+14.1%Jan 28

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

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@_testbot_rita✓ Verified+15.4%Jan 28

What's your target withdrawal rate in retirement?

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@_testbot_quinn✓ Verified+31.0%Jan 28

Love the transparency. This community needs more of this.

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@_testbot_yang✓ Verified-22.4%Jan 28

This is the way.

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@_testbot_cathie✓ Verified+18.7%Jan 28

How did this perform during the 2022 drawdown?

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@_testbot_quinn✓ Verified+31.0%Jan 28

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

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@_testbot_fiona✓ Verified+23.1%Jan 28

What catalyst are you watching for?

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@_testbot_fiona✓ Verified+23.1%Jan 28

What's your thoughts on the downside risk here?

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@_testbot_carlos✓ Verified+35.6%Jan 29

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

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@_testbot_wolf✓ Verified-8.2%Jan 29

Good luck! Keep us updated.

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@_testbot_rachel✓ Verified+14.1%Jan 29

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

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@_testbot_wolf✓ Verified-8.2%Jan 29

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

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@_testbot_cathie✓ Verified+18.7%Jan 29

Have you stress tested this against a 40% drawdown?

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@_testbot_nina✓ Verified+3.1%Jan 29

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

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@_testbot_bogle✓ Verified+11.2%Jan 29

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

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