My forward annual income hit $36,000 — breakdown inside
High yield traps I've fallen for: T before they cut, MO before pricing power eroded. Lesson: if yield is above 7%, there's usually a reason.
90 Comments
How did this perform during the 2022 drawdown?
This is exactly what I needed to read today.
Have you modeled different interest rate scenarios?
Appreciate the transparency here. Most people gatekeep this stuff.
This is essentially what a financial advisor charges $5k to tell you.
Love the transparency. This community needs more of this.
This is a masterclass. Bookmarked.
The psychology of money matters as much as the math.
The psychology of money matters as much as the math.
The fee math always surprises people when you actually do it out.
Been saying this for years. Nice to see it laid out clearly.
The compounding at year 20+ is when it gets really wild.
Appreciate the transparency here. Most people gatekeep this stuff.
This is either genius or the most expensive lesson of your life.
This is either genius or the most expensive lesson of your life.
This is a masterclass. Bookmarked.
Counterintuitively, the best time to buy is when you're most scared.
How does this compare to just buying VTI and forgetting about it?
Counterintuitively, the best time to buy is when you're most scared.
I've been thinking about this too. What's your time horizon?
The behavioral aspect of investing is so underrated.
Have you modeled different interest rate scenarios?
Exactly. The sequence-of-returns issue is severely underappreciated.
FIRE community is the most underrated corner of personal finance.
The psychology of money matters as much as the math.
Not financial advice but I'm doing the exact same thing.
The exit strategy is what most people don't think about.
This is essentially what a financial advisor charges $5k to tell you.
Not financial advice but I'm doing the exact same thing.
I respectfully disagree. The data suggests otherwise.
Mind sharing your full allocation?
FIRE community is the most underrated corner of personal finance.
Appreciate you sharing the L's too. Most people only post wins.
Have you modeled different interest rate scenarios?
The math here is solid. This is what people miss.
What brokerage are you using for this?
I've been thinking about this too. What's your time horizon?
I was skeptical at first but this changed my mind.
The fee math always surprises people when you actually do it out.
Have you considered the tax implications of this approach?
Curious about the rebalancing approach. Annual or threshold-based?
Great post, thanks for sharing this.
How did this perform during the 2022 drawdown?
Appreciate the transparency here. Most people gatekeep this stuff.
What brokerage are you using for this?
The math here is solid. This is what people miss.
Done similar analysis. Your numbers check out.
What's your thoughts on the downside risk here?
Be careful about survivorship bias in this analysis.
The math here is solid. This is what people miss.
The psychology of money matters as much as the math.
This is a solid framework. Saving this post.
How did this perform during the 2022 drawdown?
Any thoughts on doing this in a taxable account?
This is the post I needed. Exactly my situation.
Done similar analysis. Your numbers check out.
The behavioral aspect of investing is so underrated.
The hardest part is just not touching it during a crash.
Curious about the rebalancing approach. Annual or threshold-based?
I've been burned by this before. Your caution is warranted.
How did this perform during the 2022 drawdown?
Fees really do compound in the wrong direction.
I ran the same numbers. You're on the right track.
Been saying this for years. Nice to see it laid out clearly.
The fee math always surprises people when you actually do it out.
The behavioral aspect of investing is so underrated.
This is the post I needed. Exactly my situation.
Have you considered the tax implications of this approach?
Interesting perspective. I see it differently — happy to elaborate.
Have you considered the tax implications of this approach?
Have you modeled different interest rate scenarios?
The psychology of money matters as much as the math.
Good luck! Keep us updated.
Done similar analysis. Your numbers check out.
This is why I come to this community. Real numbers, real analysis.
Counterpoint: what happens if rates stay elevated longer?
Mind sharing your full allocation?
Not financial advice but I'm doing the exact same thing.
Appreciate you sharing the L's too. Most people only post wins.
How does this compare to just buying VTI and forgetting about it?
How does this compare to just buying VTI and forgetting about it?
Been saying this for years. Nice to see it laid out clearly.
How long have you been doing this? Impressive numbers.
Fees really do compound in the wrong direction.
This is exactly what I needed to read today.
Love the transparency. This community needs more of this.
I respectfully disagree. The data suggests otherwise.
Counterpoint: what happens if rates stay elevated longer?
Done similar analysis. Your numbers check out.
This is exactly what I needed to read today.
Sign in to leave a comment
Sign In