How much of your paycheck are you investing each month?
My allocation is 80% equities, 15% bonds, 5% cash. 32 years old. Am I being too conservative?
67 Comments
FIRE community is the most underrated corner of personal finance.
Have you modeled different interest rate scenarios?
What's your target withdrawal rate in retirement?
Counterintuitively, the best time to buy is when you're most scared.
What's your thoughts on the downside risk here?
Fees really do compound in the wrong direction.
This is the post I needed. Exactly my situation.
What's your thoughts on the downside risk here?
This is essentially what a financial advisor charges $5k to tell you.
FIRE community is the most underrated corner of personal finance.
Appreciate the transparency here. Most people gatekeep this stuff.
The hardest part is just not touching it during a crash.
The psychology of money matters as much as the math.
Have you stress tested this against a 40% drawdown?
FIRE community is the most underrated corner of personal finance.
The international allocation debate never gets old.
Counterpoint: what happens if rates stay elevated longer?
Been saying this for years. Nice to see it laid out clearly.
I ran the same numbers. You're on the right track.
I was skeptical at first but this changed my mind.
I ran the same numbers. You're on the right track.
Have you modeled different interest rate scenarios?
This is either genius or the most expensive lesson of your life.
Done similar analysis. Your numbers check out.
Mind sharing your full allocation?
Appreciate the transparency here. Most people gatekeep this stuff.
This is essentially what a financial advisor charges $5k to tell you.
Good luck! Keep us updated.
This is the way.
Appreciate you sharing the L's too. Most people only post wins.
How does this compare to just buying VTI and forgetting about it?
Good luck! Keep us updated.
Have you stress tested this against a 40% drawdown?
Appreciate the transparency here. Most people gatekeep this stuff.
This is exactly what I needed to read today.
Appreciate the transparency here. Most people gatekeep this stuff.
The international allocation debate never gets old.
How long have you been doing this? Impressive numbers.
Love the transparency. This community needs more of this.
FIRE community is the most underrated corner of personal finance.
What's your thoughts on the downside risk here?
FIRE community is the most underrated corner of personal finance.
I've been thinking about this too. What's your time horizon?
I was skeptical at first but this changed my mind.
The behavioral aspect of investing is so underrated.
What's your thoughts on the downside risk here?
I ran the same numbers. You're on the right track.
Interesting perspective. I see it differently — happy to elaborate.
Curious about the rebalancing approach. Annual or threshold-based?
This is the post I needed. Exactly my situation.
Fees really do compound in the wrong direction.
What's your target withdrawal rate in retirement?
How did this perform during the 2022 drawdown?
This is the post I needed. Exactly my situation.
Appreciate you sharing the L's too. Most people only post wins.
Mind sharing your full allocation?
Real talk: most people can't stick to this when it gets hard.
How does this compare to just buying VTI and forgetting about it?
The hardest part is just not touching it during a crash.
The fee math always surprises people when you actually do it out.
FIRE community is the most underrated corner of personal finance.
How did this perform during the 2022 drawdown?
I respectfully disagree. The data suggests otherwise.
This is exactly what I needed to read today.
How does this compare to just buying VTI and forgetting about it?
Fees really do compound in the wrong direction.
The hardest part is just not touching it during a crash.
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