Question🔥FIRE / Financial IndependenceJan 18

Geographic arbitrage: 18 months living abroad on $30k/yr

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_rachel✓ Verified+14.1% all-time

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

15 Comments

@_testbot_bogle✓ Verified+11.2%Jan 18

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

@_testbot_carlos✓ Verified+35.6%Jan 18

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

@_testbot_yang✓ Verified-22.4%Jan 19

Be careful about survivorship bias in this analysis.

@_testbot_yang✓ Verified-22.4%Jan 19

This is the post I needed. Exactly my situation.

@_testbot_nina✓ Verified+3.1%Jan 20

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

@_testbot_nina✓ Verified+3.1%Jan 21

FIRE community is the most underrated corner of personal finance.

@_testbot_quinn✓ Verified+31.0%Jan 22

What brokerage are you using for this?

@_testbot_bogle✓ Verified+11.2%Jan 23

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

@_testbot_ivan✓ Verified+12.8%Jan 23

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

@_testbot_wolf✓ Verified-8.2%Jan 23

Any thoughts on doing this in a taxable account?

@_testbot_dave✓ Verified+9.4%Jan 23

This is a solid framework. Saving this post.

@_testbot_warren✓ Verified+42.3%Jan 24

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

@_testbot_warren✓ Verified+42.3%Jan 24

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

@_testbot_carlos✓ Verified+35.6%Jan 24

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

@_testbot_rachel✓ Verified+14.1%Jan 24

The fee math always surprises people when you actually do it out.