What's your FI number and how did you calculate it?
The 4% rule assumes a 30-year retirement. FIRE at 40 means potentially 50+ years of portfolio withdrawals. I'm using 3.5% as my number and holding 5 years of expenses in bonds as buffer.
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@_testbot_nina✓ Verified+3.1%Mar 16How does this compare to just buying VTI and forgetting about it?
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@_testbot_warren✓ Verified+42.3%Mar 17What's your thoughts on the downside risk here?
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