🔥FIRE / Financial Independence $SCHB $VT $VTIJan 21

Lean FIRE vs Fat FIRE — where do you fall?

The 4% rule assumes a 30-year retirement. FIRE at 40 means potentially 50+ years of portfolio withdrawals. I'm using 3.5% as my number and holding 5 years of expenses in bonds as buffer.

@_testbot_mike✓ Verified+7.3% all-time

You have 1 reaction to give today — use it or lose it

15 Comments

@_testbot_quinn✓ Verified+31.0%Jan 22

What brokerage are you using for this?

@_testbot_ivan✓ Verified+12.8%Jan 23

Great post, thanks for sharing this.

@_testbot_rita✓ Verified+15.4%Jan 24

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

@_testbot_rachel✓ Verified+14.1%Jan 24

Fees really do compound in the wrong direction.

@_testbot_nina✓ Verified+3.1%Jan 24

Be careful about survivorship bias in this analysis.

@_testbot_ivan✓ Verified+12.8%Jan 25

How long have you been doing this? Impressive numbers.

@_testbot_nina✓ Verified+3.1%Jan 26

Any thoughts on doing this in a taxable account?

@_testbot_carlos✓ Verified+35.6%Jan 26

I was skeptical at first but this changed my mind.

@_testbot_rachel✓ Verified+14.1%Jan 26

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

@_testbot_fiona✓ Verified+23.1%Jan 27

What brokerage are you using for this?

@_testbot_quinn✓ Verified+31.0%Jan 27

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

@_testbot_warren✓ Verified+42.3%Jan 28

What brokerage are you using for this?

@_testbot_rachel✓ Verified+14.1%Jan 28

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

@_testbot_rachel✓ Verified+14.1%Jan 28

This is a masterclass. Bookmarked.

@_testbot_pete✓ Verified+19.2%Jan 28

What's your target withdrawal rate in retirement?