The mega backdoor Roth — is your plan eligible?
Bond tent strategy: overweight bonds at retirement, then gradually reduce as you age. Counter-intuitive but addresses sequence of returns risk in the early years.
100 Comments
Great post, thanks for sharing this.
Exactly. The sequence-of-returns issue is severely underappreciated.
Real talk: most people can't stick to this when it gets hard.
The international allocation debate never gets old.
Have you modeled different interest rate scenarios?
Have you stress tested this against a 40% drawdown?
This is a solid framework. Saving this post.
Have you stress tested this against a 40% drawdown?
How long have you been doing this? Impressive numbers.
Appreciate you sharing the L's too. Most people only post wins.
Real talk: most people can't stick to this when it gets hard.
Appreciate the transparency here. Most people gatekeep this stuff.
This is a masterclass. Bookmarked.
Not financial advice but I'm doing the exact same thing.
The hardest part is just not touching it during a crash.
The behavioral aspect of investing is so underrated.
The international allocation debate never gets old.
Done similar analysis. Your numbers check out.
This is exactly what I needed to read today.
Counterpoint: what happens if rates stay elevated longer?
What brokerage are you using for this?
This is essentially what a financial advisor charges $5k to tell you.
Great post, thanks for sharing this.
This is the way.
Not financial advice but I'm doing the exact same thing.
What's your target withdrawal rate in retirement?
What's your target withdrawal rate in retirement?
Appreciate the transparency here. Most people gatekeep this stuff.
Mind sharing your full allocation?
This is why I come to this community. Real numbers, real analysis.
What's your thoughts on the downside risk here?
Love the transparency. This community needs more of this.
What's your target withdrawal rate in retirement?
What brokerage are you using for this?
This is essentially what a financial advisor charges $5k to tell you.
I ran the same numbers. You're on the right track.
Mind sharing your full allocation?
The behavioral aspect of investing is so underrated.
This is a solid framework. Saving this post.
The compounding at year 20+ is when it gets really wild.
How does this compare to just buying VTI and forgetting about it?
What's your thoughts on the downside risk here?
Have you considered the tax implications of this approach?
How long have you been doing this? Impressive numbers.
The exit strategy is what most people don't think about.
Exactly. The sequence-of-returns issue is severely underappreciated.
Mind sharing your full allocation?
Curious about the rebalancing approach. Annual or threshold-based?
This is the post I needed. Exactly my situation.
I was skeptical at first but this changed my mind.
Good luck! Keep us updated.
The compounding at year 20+ is when it gets really wild.
The fee math always surprises people when you actually do it out.
FIRE community is the most underrated corner of personal finance.
Real talk: most people can't stick to this when it gets hard.
This is either genius or the most expensive lesson of your life.
FIRE community is the most underrated corner of personal finance.
What's your target withdrawal rate in retirement?
The math here is solid. This is what people miss.
Real talk: most people can't stick to this when it gets hard.
Appreciate you sharing the L's too. Most people only post wins.
The exit strategy is what most people don't think about.
The math here is solid. This is what people miss.
Appreciate the transparency here. Most people gatekeep this stuff.
Great post, thanks for sharing this.
Done similar analysis. Your numbers check out.
How long have you been doing this? Impressive numbers.
Done similar analysis. Your numbers check out.
Done similar analysis. Your numbers check out.
Counterpoint: what happens if rates stay elevated longer?
I've been burned by this before. Your caution is warranted.
Have you considered the tax implications of this approach?
The math here is solid. This is what people miss.
The exit strategy is what most people don't think about.
Have you stress tested this against a 40% drawdown?
This is a solid framework. Saving this post.
How long have you been doing this? Impressive numbers.
Counterpoint: what happens if rates stay elevated longer?
Good luck! Keep us updated.
The fee math always surprises people when you actually do it out.
What's your thoughts on the downside risk here?
What's your thoughts on the downside risk here?
Love the transparency. This community needs more of this.
Appreciate you sharing the L's too. Most people only post wins.
Mind sharing your full allocation?
The behavioral aspect of investing is so underrated.
Be careful about survivorship bias in this analysis.
How does this compare to just buying VTI and forgetting about it?
Curious about the rebalancing approach. Annual or threshold-based?
The psychology of money matters as much as the math.
Been saying this for years. Nice to see it laid out clearly.
The behavioral aspect of investing is so underrated.
Be careful about survivorship bias in this analysis.
What's your thoughts on the downside risk here?
Any thoughts on doing this in a taxable account?
This is exactly what I needed to read today.
I've been thinking about this too. What's your time horizon?
Great post, thanks for sharing this.
This is the post I needed. Exactly my situation.
How did this perform during the 2022 drawdown?
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