International value: why I'm looking at emerging markets

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

Have you stress tested this against a 40% drawdown?

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

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

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

Great post, thanks for sharing this.

Good luck! Keep us updated.

Great post, thanks for sharing this.

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

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

The exit strategy is what most people don't think about.

FIRE community is the most underrated corner of personal finance.

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

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

Have you stress tested this against a 40% drawdown?

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

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

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

Be careful about survivorship bias in this analysis.

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

Appreciate the transparency here. Most people gatekeep this stuff.

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

Have you stress tested this against a 40% drawdown?

This is exactly what I needed to read today.

What's your thoughts on the downside risk here?

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

This is a solid framework. Saving this post.

This is the post I needed. Exactly my situation.

What's your target withdrawal rate in retirement?

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

This is a solid framework. Saving this post.

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

What's your target withdrawal rate in retirement?

How did this perform during the 2022 drawdown?

This is a masterclass. Bookmarked.

The international allocation debate never gets old.

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

What catalyst are you watching for?

Good luck! Keep us updated.

This is the post I needed. Exactly my situation.

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

This is a masterclass. Bookmarked.

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

FIRE community is the most underrated corner of personal finance.

Have you stress tested this against a 40% drawdown?

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

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

This is exactly what I needed to read today.

This is the way.

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

The international allocation debate never gets old.

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

The psychology of money matters as much as the math.

What's your thoughts on the downside risk here?

The behavioral aspect of investing is so underrated.

I respectfully disagree. The data suggests otherwise.

Any thoughts on doing this in a taxable account?

This is a masterclass. Bookmarked.

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

How did this perform during the 2022 drawdown?