One more year syndrome is real and I can't shake it

Have you stress tested this against a 40% drawdown?

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

How did this perform during the 2022 drawdown?

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

Have you stress tested this against a 40% drawdown?

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

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

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

This is exactly what I needed to read today.

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

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

Appreciate the transparency here. Most people gatekeep this stuff.

I respectfully disagree. The data suggests otherwise.

Done similar analysis. Your numbers check out.

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

Great post, thanks for sharing this.

This is a solid framework. Saving this post.

The behavioral aspect of investing is so underrated.

Be careful about survivorship bias in this analysis.

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

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

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

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

Love the transparency. This community needs more of this.

Love the transparency. This community needs more of this.

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

Fees really do compound in the wrong direction.

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

The international allocation debate never gets old.

This is the post I needed. Exactly my situation.

I've been thinking about this too. What's your time horizon?

I was skeptical at first but this changed my mind.

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

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

This is the post I needed. Exactly my situation.

Counterpoint: what happens if rates stay elevated longer?

Mind sharing your full allocation?

Have you modeled different interest rate scenarios?

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

FIRE community is the most underrated corner of personal finance.

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

Mind sharing your full allocation?

I was skeptical at first but this changed my mind.

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

What catalyst are you watching for?