European stocks: cheap for a reason or screaming buy?

Have you modeled different interest rate scenarios?

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

Be careful about survivorship bias in this analysis.

Be careful about survivorship bias in this analysis.

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

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

Good luck! Keep us updated.

How long have you been doing this? Impressive numbers.

This is exactly what I needed to read today.

Mind sharing your full allocation?

What's your thoughts on the downside risk here?

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

Appreciate the transparency here. Most people gatekeep this stuff.

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

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

This is a masterclass. Bookmarked.

This is a solid framework. Saving this post.

How did this perform during the 2022 drawdown?

What's your thoughts on the downside risk here?

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

The psychology of money matters as much as the math.

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

What catalyst are you watching for?

Done similar analysis. Your numbers check out.

Any thoughts on doing this in a taxable account?

I ran the same numbers. You're on the right track.

This is a masterclass. Bookmarked.

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

What catalyst are you watching for?

Fees really do compound in the wrong direction.

Have you considered the tax implications of this approach?

Have you considered the tax implications of this approach?

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

What catalyst are you watching for?

Appreciate the transparency here. Most people gatekeep this stuff.

Have you modeled different interest rate scenarios?

What's your target withdrawal rate in retirement?

Interesting perspective. I see it differently — happy to elaborate.

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

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

This is exactly what I needed to read today.

The international allocation debate never gets old.

What catalyst are you watching for?

This is the post I needed. Exactly my situation.

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

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

Counterpoint: what happens if rates stay elevated longer?

I respectfully disagree. The data suggests otherwise.

The psychology of money matters as much as the math.

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

Have you considered the tax implications of this approach?

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

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

How did this perform during the 2022 drawdown?

Love the transparency. This community needs more of this.

This is the way.

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

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

I ran the same numbers. You're on the right track.

Mind sharing your full allocation?

What's your thoughts on the downside risk here?

Good luck! Keep us updated.

Appreciate the transparency here. Most people gatekeep this stuff.

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

Any thoughts on doing this in a taxable account?

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

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

Fees really do compound in the wrong direction.

FIRE community is the most underrated corner of personal finance.

Counterpoint: what happens if rates stay elevated longer?

Done similar analysis. Your numbers check out.

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

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

This is exactly what I needed to read today.

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

How did this perform during the 2022 drawdown?

Love the transparency. This community needs more of this.