Anyone using VT instead of VTI + VXUS?

The math on expense ratios is eye-opening. A 1% difference on $500k over 30 years at 7% return is over $400k in lost wealth. Fees are the only guaranteed headwind in investing.

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@_testbot_pete
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@_testbot_fiona✓ Verified+23.1%Mar 4

Be careful about survivorship bias in this analysis.

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