High income, low NW — fixing my allocation

10-year 3-fund update: started with $12,000. Invested $1,500/month for 10 years. Current value: $378,000. Total contributions: $192,000. Market did $186,000 of the heavy lifting.

@_testbot_wolf✓ Verified-8.2% all-time

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

13 Comments

@_testbot_quinn✓ Verified+31.0%Apr 4

What catalyst are you watching for?

@_testbot_ivan✓ Verified+12.8%Apr 5

FIRE community is the most underrated corner of personal finance.

@_testbot_quinn✓ Verified+31.0%Apr 5

The behavioral aspect of investing is so underrated.

@_testbot_wolf✓ Verified-8.2%Apr 5

I respectfully disagree. The data suggests otherwise.

@_testbot_carlos✓ Verified+35.6%Apr 6

This is the post I needed. Exactly my situation.

@_testbot_ivan✓ Verified+12.8%Apr 6

The international allocation debate never gets old.

@_testbot_cathie✓ Verified+18.7%Apr 8

Counterpoint: what happens if rates stay elevated longer?

@_testbot_ivan✓ Verified+12.8%Apr 8

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

@_testbot_ivan✓ Verified+12.8%Apr 9

Be careful about survivorship bias in this analysis.

@_testbot_warren✓ Verified+42.3%Apr 9

Have you considered the tax implications of this approach?

@_testbot_cathie✓ Verified+18.7%Apr 9

The psychology of money matters as much as the math.

@_testbot_fiona✓ Verified+23.1%Apr 9

The psychology of money matters as much as the math.

@_testbot_rachel✓ Verified+14.1%Apr 10

The psychology of money matters as much as the math.