Should I use Robinhood, Fidelity, or Vanguard?
Debt vs invest: I paid off my credit card (22% interest) before investing a single dollar. That 22% guaranteed return beats anything the stock market offers.
62 Comments
Interesting perspective. I see it differently — happy to elaborate.
I've been thinking about this too. What's your time horizon?
Mind sharing your full allocation?
How does this compare to just buying VTI and forgetting about it?
I ran the same numbers. You're on the right track.
How does this compare to just buying VTI and forgetting about it?
Appreciate the transparency here. Most people gatekeep this stuff.
Love the transparency. This community needs more of this.
This is the way.
Been saying this for years. Nice to see it laid out clearly.
How long have you been doing this? Impressive numbers.
The fee math always surprises people when you actually do it out.
Real talk: most people can't stick to this when it gets hard.
FIRE community is the most underrated corner of personal finance.
Have you modeled different interest rate scenarios?
Real talk: most people can't stick to this when it gets hard.
The psychology of money matters as much as the math.
FIRE community is the most underrated corner of personal finance.
This is why I come to this community. Real numbers, real analysis.
Any thoughts on doing this in a taxable account?
Done similar analysis. Your numbers check out.
The behavioral aspect of investing is so underrated.
What's your target withdrawal rate in retirement?
Curious about the rebalancing approach. Annual or threshold-based?
Mind sharing your full allocation?
Great post, thanks for sharing this.
I've been thinking about this too. What's your time horizon?
Curious about the rebalancing approach. Annual or threshold-based?
Appreciate you sharing the L's too. Most people only post wins.
How did this perform during the 2022 drawdown?
I respectfully disagree. The data suggests otherwise.
Have you modeled different interest rate scenarios?
Counterintuitively, the best time to buy is when you're most scared.
Be careful about survivorship bias in this analysis.
I ran the same numbers. You're on the right track.
Mind sharing your full allocation?
Exactly. The sequence-of-returns issue is severely underappreciated.
Be careful about survivorship bias in this analysis.
This is exactly what I needed to read today.
This is a solid framework. Saving this post.
This is essentially what a financial advisor charges $5k to tell you.
The behavioral aspect of investing is so underrated.
The hardest part is just not touching it during a crash.
Done similar analysis. Your numbers check out.
What catalyst are you watching for?
FIRE community is the most underrated corner of personal finance.
What catalyst are you watching for?
The compounding at year 20+ is when it gets really wild.
The exit strategy is what most people don't think about.
Have you considered the tax implications of this approach?
The psychology of money matters as much as the math.
How does this compare to just buying VTI and forgetting about it?
Good luck! Keep us updated.
This is the way.
The math here is solid. This is what people miss.
How does this compare to just buying VTI and forgetting about it?
Counterpoint: what happens if rates stay elevated longer?
Exactly. The sequence-of-returns issue is severely underappreciated.
What's your thoughts on the downside risk here?
The international allocation debate never gets old.
What brokerage are you using for this?
Counterintuitively, the best time to buy is when you're most scared.
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