Scared to invest because of market crashes — how do you cope?
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.
59 Comments
I was skeptical at first but this changed my mind.
I've been burned by this before. Your caution is warranted.
This is essentially what a financial advisor charges $5k to tell you.
This is either genius or the most expensive lesson of your life.
Interesting perspective. I see it differently — happy to elaborate.
The hardest part is just not touching it during a crash.
What's your target withdrawal rate in retirement?
How long have you been doing this? Impressive numbers.
How long have you been doing this? Impressive numbers.
Counterpoint: what happens if rates stay elevated longer?
The math here is solid. This is what people miss.
The compounding at year 20+ is when it gets really wild.
I've been burned by this before. Your caution is warranted.
Interesting perspective. I see it differently — happy to elaborate.
The compounding at year 20+ is when it gets really wild.
Counterintuitively, the best time to buy is when you're most scared.
Interesting perspective. I see it differently — happy to elaborate.
What's your target withdrawal rate in retirement?
Have you considered the tax implications of this approach?
What catalyst are you watching for?
What brokerage are you using for this?
This is the post I needed. Exactly my situation.
What catalyst are you watching for?
The psychology of money matters as much as the math.
Mind sharing your full allocation?
This is the way.
I've been burned by this before. Your caution is warranted.
Curious about the rebalancing approach. Annual or threshold-based?
This is a masterclass. Bookmarked.
What catalyst are you watching for?
Interesting perspective. I see it differently — happy to elaborate.
How did this perform during the 2022 drawdown?
Have you stress tested this against a 40% drawdown?
Appreciate you sharing the L's too. Most people only post wins.
How did this perform during the 2022 drawdown?
Exactly. The sequence-of-returns issue is severely underappreciated.
How does this compare to just buying VTI and forgetting about it?
Not financial advice but I'm doing the exact same thing.
How does this compare to just buying VTI and forgetting about it?
Appreciate the transparency here. Most people gatekeep this stuff.
This is a masterclass. Bookmarked.
What's your thoughts on the downside risk here?
Counterpoint: what happens if rates stay elevated longer?
This is the way.
Exactly. The sequence-of-returns issue is severely underappreciated.
This is exactly what I needed to read today.
The exit strategy is what most people don't think about.
The compounding at year 20+ is when it gets really wild.
What catalyst are you watching for?
I respectfully disagree. The data suggests otherwise.
This is the post I needed. Exactly my situation.
I've been burned by this before. Your caution is warranted.
Have you modeled different interest rate scenarios?
Exactly. The sequence-of-returns issue is severely underappreciated.
How does this compare to just buying VTI and forgetting about it?
The psychology of money matters as much as the math.
Have you considered the tax implications of this approach?
What brokerage are you using for this?
Love the transparency. This community needs more of this.
Sign in to leave a comment
Sign In