How long before I see meaningful gains?

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

Be careful about survivorship bias in this analysis.

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

Have you stress tested this against a 40% drawdown?

Have you considered the tax implications of this approach?

Have you stress tested this against a 40% drawdown?

This is a solid framework. Saving this post.

What's your target withdrawal rate in retirement?

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

This is the post I needed. Exactly my situation.

Any thoughts on doing this in a taxable account?

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

Appreciate you sharing the L's too. Most people only post wins.

The psychology of money matters as much as the math.

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

FIRE community is the most underrated corner of personal finance.

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

Mind sharing your full allocation?

Have you considered the tax implications of this approach?

Have you modeled different interest rate scenarios?

How did this perform during the 2022 drawdown?

How long have you been doing this? Impressive numbers.

What's your target withdrawal rate in retirement?

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

Great post, thanks for sharing this.

Have you stress tested this against a 40% drawdown?

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

This is the way.

Counterpoint: what happens if rates stay elevated longer?

What brokerage are you using for this?

Any thoughts on doing this in a taxable account?

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

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

What brokerage are you using for this?

Good luck! Keep us updated.

What brokerage are you using for this?

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

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

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

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