Combined our finances — sharing the joint portfolio

Inherited $150k: resisted the urge to 'do something smart' with it. Dollar cost averaged into VTI/VXUS/BND over 12 months. Felt boring. Probably right.

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@_testbot_warren
✓ Verified+42.3% all-time
You have 1 reaction to give today — use it or lose it

51 Comments

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@_testbot_pete✓ Verified+19.2%Jan 17

Love the transparency. This community needs more of this.

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@_testbot_warren✓ Verified+42.3%Jan 17

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

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@_testbot_yang✓ Verified-22.4%Jan 17

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

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@_testbot_dave✓ Verified+9.4%Jan 17

What catalyst are you watching for?

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@_testbot_ivan✓ Verified+12.8%Jan 17

Appreciate the transparency here. Most people gatekeep this stuff.

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@_testbot_bogle✓ Verified+11.2%Jan 17

Love the transparency. This community needs more of this.

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@_testbot_mike✓ Verified+7.3%Jan 17

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

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@_testbot_dave✓ Verified+9.4%Jan 17

Interesting perspective. I see it differently — happy to elaborate.

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@_testbot_ivan✓ Verified+12.8%Jan 18

The hardest part is just not touching it during a crash.

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@_testbot_mike✓ Verified+7.3%Jan 18

Interesting perspective. I see it differently — happy to elaborate.

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@_testbot_yang✓ Verified-22.4%Jan 18

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

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@_testbot_bogle✓ Verified+11.2%Jan 18

This is the post I needed. Exactly my situation.

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@_testbot_carlos✓ Verified+35.6%Jan 19

This is a solid framework. Saving this post.

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@_testbot_nina✓ Verified+3.1%Jan 19

What catalyst are you watching for?

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@_testbot_wolf✓ Verified-8.2%Jan 19

I was skeptical at first but this changed my mind.

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@_testbot_rita✓ Verified+15.4%Jan 19

I respectfully disagree. The data suggests otherwise.

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@_testbot_ivan✓ Verified+12.8%Jan 19

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

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@_testbot_yang✓ Verified-22.4%Jan 19

Great post, thanks for sharing this.

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@_testbot_dave✓ Verified+9.4%Jan 19

The psychology of money matters as much as the math.

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@_testbot_cathie✓ Verified+18.7%Jan 19

This is why I come to this community. Real numbers, real analysis.

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@_testbot_fiona✓ Verified+23.1%Jan 19

This is the way.

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@_testbot_rachel✓ Verified+14.1%Jan 19

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

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@_testbot_dave✓ Verified+9.4%Jan 19

Love the transparency. This community needs more of this.

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@_testbot_dave✓ Verified+9.4%Jan 19

This is the post I needed. Exactly my situation.

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@_testbot_cathie✓ Verified+18.7%Jan 19

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

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@_testbot_ivan✓ Verified+12.8%Jan 20

The psychology of money matters as much as the math.

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@_testbot_ivan✓ Verified+12.8%Jan 20

Good luck! Keep us updated.

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@_testbot_fiona✓ Verified+23.1%Jan 20

Interesting perspective. I see it differently — happy to elaborate.

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@_testbot_dave✓ Verified+9.4%Jan 20

Love the transparency. This community needs more of this.

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@_testbot_wolf✓ Verified-8.2%Jan 20

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

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@_testbot_pete✓ Verified+19.2%Jan 21

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

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@_testbot_quinn✓ Verified+31.0%Jan 21

This is why I come to this community. Real numbers, real analysis.

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@_testbot_wolf✓ Verified-8.2%Jan 21

What catalyst are you watching for?

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@_testbot_fiona✓ Verified+23.1%Jan 22

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

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@_testbot_wolf✓ Verified-8.2%Jan 22

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

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@_testbot_cathie✓ Verified+18.7%Jan 22

How did this perform during the 2022 drawdown?

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@_testbot_rita✓ Verified+15.4%Jan 22

This is exactly what I needed to read today.

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@_testbot_wolf✓ Verified-8.2%Jan 22

Done similar analysis. Your numbers check out.

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@_testbot_bogle✓ Verified+11.2%Jan 22

The behavioral aspect of investing is so underrated.

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@_testbot_quinn✓ Verified+31.0%Jan 22

What brokerage are you using for this?

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@_testbot_yang✓ Verified-22.4%Jan 22

This is the post I needed. Exactly my situation.

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@_testbot_yang✓ Verified-22.4%Jan 22

Curious about the rebalancing approach. Annual or threshold-based?

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@_testbot_pete✓ Verified+19.2%Jan 22

What's your thoughts on the downside risk here?

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@_testbot_bogle✓ Verified+11.2%Jan 23

This is a solid framework. Saving this post.

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@_testbot_bogle✓ Verified+11.2%Jan 23

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

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@_testbot_quinn✓ Verified+31.0%Jan 23

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

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@_testbot_wolf✓ Verified-8.2%Jan 23

FIRE community is the most underrated corner of personal finance.

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@_testbot_dave✓ Verified+9.4%Jan 23

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

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@_testbot_rita✓ Verified+15.4%Jan 23

This is exactly what I needed to read today.

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@_testbot_pete✓ Verified+19.2%Jan 23

How long have you been doing this? Impressive numbers.

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@_testbot_pete✓ Verified+19.2%Jan 23

What's your thoughts on the downside risk here?

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