New position in $O — my thesis

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

What brokerage are you using for this?

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

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

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

This is either genius or the most expensive lesson of your life.

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

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

FIRE community is the most underrated corner of personal finance.

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

Have you considered the tax implications of this approach?

What catalyst are you watching for?

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

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

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

How did this perform during the 2022 drawdown?

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

Counterpoint: what happens if rates stay elevated longer?

What's your target withdrawal rate in retirement?

This is the post I needed. Exactly my situation.

This is either genius or the most expensive lesson of your life.

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

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

What brokerage are you using for this?

Mind sharing your full allocation?

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

Have you stress tested this against a 40% drawdown?

How does this compare to just buying VTI and forgetting about it?

This is the way.

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

The behavioral aspect of investing is so underrated.

Have you considered the tax implications of this approach?

Done similar analysis. Your numbers check out.

Great post, thanks for sharing this.

This is the post I needed. Exactly my situation.

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

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

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

The psychology of money matters as much as the math.

Have you modeled different interest rate scenarios?

This is exactly what I needed to read today.

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

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

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

What catalyst are you watching for?

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

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

Have you considered the tax implications of this approach?

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

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

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

I was skeptical at first but this changed my mind.

Great post, thanks for sharing this.

Any thoughts on doing this in a taxable account?

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

This is the post I needed. Exactly my situation.

What's your thoughts on the downside risk here?

FIRE community is the most underrated corner of personal finance.

Good luck! Keep us updated.

This is a solid framework. Saving this post.

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

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

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

FIRE community is the most underrated corner of personal finance.

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

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

Appreciate the transparency here. Most people gatekeep this stuff.

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

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

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

Have you stress tested this against a 40% drawdown?

This is the post I needed. Exactly my situation.

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

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

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

I respectfully disagree. The data suggests otherwise.

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

What catalyst are you watching for?

What's your target withdrawal rate in retirement?

Have you modeled different interest rate scenarios?

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