I'm 58 and worried I'm behind — honest assessment please

The international allocation debate never gets old.

This is a solid framework. Saving this post.

This is the post I needed. Exactly my situation.

I respectfully disagree. The data suggests otherwise.

Have you considered the tax implications of this approach?

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

Counterpoint: what happens if rates stay elevated longer?

Appreciate the transparency here. Most people gatekeep this stuff.

The behavioral aspect of investing is so underrated.

The behavioral aspect of investing is so underrated.

Be careful about survivorship bias in this analysis.

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

What brokerage are you using for this?

Done similar analysis. Your numbers check out.

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

I was skeptical at first but this changed my mind.

Appreciate the transparency here. Most people gatekeep this stuff.

How did this perform during the 2022 drawdown?

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