VTI vs VOO — the one true debate

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

The psychology of money matters as much as the math.

Be careful about survivorship bias in this analysis.

This is a masterclass. Bookmarked.

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

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

Have you considered the tax implications of this approach?

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

This is the way.

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

This is a masterclass. Bookmarked.

This is a solid framework. Saving this post.

I respectfully disagree. The data suggests otherwise.

Have you modeled different interest rate scenarios?

What's your target withdrawal rate in retirement?

FIRE community is the most underrated corner of personal finance.

This is a solid framework. Saving this post.

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

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

I respectfully disagree. The data suggests otherwise.

Great post, thanks for sharing this.

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

The international allocation debate never gets old.

Curious about the rebalancing approach. Annual or threshold-based?

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

Fees really do compound in the wrong direction.

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

This is a masterclass. Bookmarked.

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

Done similar analysis. Your numbers check out.

This is a solid framework. Saving this post.

Love the transparency. This community needs more of this.

Love the transparency. This community needs more of this.

Have you modeled different interest rate scenarios?

Any thoughts on doing this in a taxable account?

This is the way.

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

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

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

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

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

Be careful about survivorship bias in this analysis.

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

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

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

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

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

How did this perform during the 2022 drawdown?

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

Counterpoint: what happens if rates stay elevated longer?

I respectfully disagree. The data suggests otherwise.

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

Mind sharing your full allocation?