Combined our finances — sharing the joint portfolio

What's your thoughts on the downside risk here?

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

This is a solid framework. Saving this post.

Have you stress tested this against a 40% drawdown?

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

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

The behavioral aspect of investing is so underrated.

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

What's your thoughts on the downside risk here?

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

This is why I come to this community. Real numbers, real analysis.

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

Appreciate the transparency here. Most people gatekeep this stuff.

How long have you been doing this? Impressive numbers.

This is a masterclass. Bookmarked.

I was skeptical at first but this changed my mind.

FIRE community is the most underrated corner of personal finance.

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

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

This is a masterclass. Bookmarked.

Great post, thanks for sharing this.

FIRE community is the most underrated corner of personal finance.

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

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

This is the way.

Appreciate the transparency here. Most people gatekeep this stuff.

The international allocation debate never gets old.

This is a masterclass. Bookmarked.

Have you considered the tax implications of this approach?

Have you considered the tax implications of this approach?

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

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

Be careful about survivorship bias in this analysis.

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

Be careful about survivorship bias in this analysis.

How did this perform during the 2022 drawdown?

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

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

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

This is a solid framework. Saving this post.

Have you modeled different interest rate scenarios?

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

What's your thoughts on the downside risk here?

Great post, thanks for sharing this.

This is a masterclass. Bookmarked.

FIRE community is the most underrated corner of personal finance.