I'm 58 and worried I'm behind — honest assessment please
Social Security delay math: breakeven from 62 to 70 is about age 80. If you expect to live past 85, delaying to 70 almost certainly wins. Plus survivor benefit matters if married.
63 Comments
What's your thoughts on the downside risk here?
The exit strategy is what most people don't think about.
The international allocation debate never gets old.
Have you stress tested this against a 40% drawdown?
This is a solid framework. Saving this post.
The behavioral aspect of investing is so underrated.
How did this perform during the 2022 drawdown?
What's your thoughts on the downside risk here?
Fees really do compound in the wrong direction.
Have you modeled different interest rate scenarios?
Any thoughts on doing this in a taxable account?
Been saying this for years. Nice to see it laid out clearly.
Not financial advice but I'm doing the exact same thing.
This is a solid framework. Saving this post.
This is the post I needed. Exactly my situation.
How does this compare to just buying VTI and forgetting about it?
Real talk: most people can't stick to this when it gets hard.
Mind sharing your full allocation?
This is either genius or the most expensive lesson of your life.
This is why I come to this community. Real numbers, real analysis.
The international allocation debate never gets old.
What brokerage are you using for this?
Done similar analysis. Your numbers check out.
This is a solid framework. Saving this post.
What's your thoughts on the downside risk here?
FIRE community is the most underrated corner of personal finance.
Love the transparency. This community needs more of this.
Mind sharing your full allocation?
Any thoughts on doing this in a taxable account?
This is a masterclass. Bookmarked.
I've been burned by this before. Your caution is warranted.
Curious about the rebalancing approach. Annual or threshold-based?
Mind sharing your full allocation?
The compounding at year 20+ is when it gets really wild.
The psychology of money matters as much as the math.
The behavioral aspect of investing is so underrated.
I've been thinking about this too. What's your time horizon?
I've been burned by this before. Your caution is warranted.
Great post, thanks for sharing this.
How long have you been doing this? Impressive numbers.
Counterpoint: what happens if rates stay elevated longer?
Good luck! Keep us updated.
The math here is solid. This is what people miss.
Fees really do compound in the wrong direction.
Interesting perspective. I see it differently — happy to elaborate.
Have you considered the tax implications of this approach?
Done similar analysis. Your numbers check out.
Been saying this for years. Nice to see it laid out clearly.
This is essentially what a financial advisor charges $5k to tell you.
This is essentially what a financial advisor charges $5k to tell you.
Appreciate the transparency here. Most people gatekeep this stuff.
How does this compare to just buying VTI and forgetting about it?
The hardest part is just not touching it during a crash.
Any thoughts on doing this in a taxable account?
What catalyst are you watching for?
Real talk: most people can't stick to this when it gets hard.
This is why I come to this community. Real numbers, real analysis.
Appreciate the transparency here. Most people gatekeep this stuff.
This is a masterclass. Bookmarked.
Have you considered the tax implications of this approach?
Love the transparency. This community needs more of this.
The psychology of money matters as much as the math.
How does this compare to just buying VTI and forgetting about it?
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