Officially FI as of today — sharing my complete journey
Coast FIRE changed my mental model. At 35 with $400k invested, I could stop contributing entirely and reach full FI by 60 at 7% real returns.
76 Comments
This is why I come to this community. Real numbers, real analysis.
This is either genius or the most expensive lesson of your life.
Interesting perspective. I see it differently — happy to elaborate.
What brokerage are you using for this?
The compounding at year 20+ is when it gets really wild.
This is either genius or the most expensive lesson of your life.
The compounding at year 20+ is when it gets really wild.
How long have you been doing this? Impressive numbers.
The compounding at year 20+ is when it gets really wild.
Not financial advice but I'm doing the exact same thing.
What's your thoughts on the downside risk here?
What catalyst are you watching for?
The math here is solid. This is what people miss.
This is why I come to this community. Real numbers, real analysis.
This is essentially what a financial advisor charges $5k to tell you.
This is the post I needed. Exactly my situation.
I ran the same numbers. You're on the right track.
Done similar analysis. Your numbers check out.
Have you modeled different interest rate scenarios?
Counterpoint: what happens if rates stay elevated longer?
Appreciate the transparency here. Most people gatekeep this stuff.
This is either genius or the most expensive lesson of your life.
Been saying this for years. Nice to see it laid out clearly.
Appreciate the transparency here. Most people gatekeep this stuff.
The behavioral aspect of investing is so underrated.
What's your target withdrawal rate in retirement?
How does this compare to just buying VTI and forgetting about it?
The hardest part is just not touching it during a crash.
How did this perform during the 2022 drawdown?
Real talk: most people can't stick to this when it gets hard.
What's your thoughts on the downside risk here?
Counterintuitively, the best time to buy is when you're most scared.
Exactly. The sequence-of-returns issue is severely underappreciated.
I was skeptical at first but this changed my mind.
This is either genius or the most expensive lesson of your life.
The international allocation debate never gets old.
Good luck! Keep us updated.
The fee math always surprises people when you actually do it out.
FIRE community is the most underrated corner of personal finance.
Interesting perspective. I see it differently — happy to elaborate.
Exactly. The sequence-of-returns issue is severely underappreciated.
The behavioral aspect of investing is so underrated.
What catalyst are you watching for?
Good luck! Keep us updated.
The math here is solid. This is what people miss.
Good luck! Keep us updated.
This is the way.
I was skeptical at first but this changed my mind.
How long have you been doing this? Impressive numbers.
What's your thoughts on the downside risk here?
Interesting perspective. I see it differently — happy to elaborate.
The psychology of money matters as much as the math.
FIRE community is the most underrated corner of personal finance.
The hardest part is just not touching it during a crash.
What's your target withdrawal rate in retirement?
I've been burned by this before. Your caution is warranted.
Exactly. The sequence-of-returns issue is severely underappreciated.
Not financial advice but I'm doing the exact same thing.
This is exactly what I needed to read today.
This is why I come to this community. Real numbers, real analysis.
Real talk: most people can't stick to this when it gets hard.
This is a masterclass. Bookmarked.
Mind sharing your full allocation?
Exactly. The sequence-of-returns issue is severely underappreciated.
Been saying this for years. Nice to see it laid out clearly.
The fee math always surprises people when you actually do it out.
This is either genius or the most expensive lesson of your life.
What's your thoughts on the downside risk here?
Been saying this for years. Nice to see it laid out clearly.
How long have you been doing this? Impressive numbers.
How did this perform during the 2022 drawdown?
Mind sharing your full allocation?
I ran the same numbers. You're on the right track.
I ran the same numbers. You're on the right track.
Appreciate you sharing the L's too. Most people only post wins.
Counterintuitively, the best time to buy is when you're most scared.
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