How I turned $5k into $47k (and then back to $8k)

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

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

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

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

Mind sharing your full allocation?

This is a solid framework. Saving this post.

The international allocation debate never gets old.

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

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

I respectfully disagree. The data suggests otherwise.

Have you modeled different interest rate scenarios?

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

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

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

Counterpoint: what happens if rates stay elevated longer?

This is a solid framework. Saving this post.

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

This is the post I needed. Exactly my situation.

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

How long have you been doing this? Impressive numbers.

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

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

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

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