Catch-up contributions: maximizing your last decade
Backdoor Roth for high earners: contribute to traditional IRA → wait a few days → convert to Roth. Watch out for the pro-rata rule if you have other IRA balances.
65 Comments
The hardest part is just not touching it during a crash.
Interesting perspective. I see it differently — happy to elaborate.
This is why I come to this community. Real numbers, real analysis.
I ran the same numbers. You're on the right track.
I've been thinking about this too. What's your time horizon?
Real talk: most people can't stick to this when it gets hard.
Appreciate the transparency here. Most people gatekeep this stuff.
Counterintuitively, the best time to buy is when you're most scared.
Appreciate you sharing the L's too. Most people only post wins.
This is exactly what I needed to read today.
The psychology of money matters as much as the math.
The exit strategy is what most people don't think about.
What brokerage are you using for this?
Great post, thanks for sharing this.
The compounding at year 20+ is when it gets really wild.
Interesting perspective. I see it differently — happy to elaborate.
Not financial advice but I'm doing the exact same thing.
Have you considered the tax implications of this approach?
I was skeptical at first but this changed my mind.
Any thoughts on doing this in a taxable account?
What's your thoughts on the downside risk here?
Appreciate the transparency here. Most people gatekeep this stuff.
This is essentially what a financial advisor charges $5k to tell you.
Curious about the rebalancing approach. Annual or threshold-based?
I've been burned by this before. Your caution is warranted.
Great post, thanks for sharing this.
Love the transparency. This community needs more of this.
Been saying this for years. Nice to see it laid out clearly.
The hardest part is just not touching it during a crash.
Have you modeled different interest rate scenarios?
FIRE community is the most underrated corner of personal finance.
I've been burned by this before. Your caution is warranted.
What catalyst are you watching for?
What brokerage are you using for this?
Appreciate you sharing the L's too. Most people only post wins.
What brokerage are you using for this?
The fee math always surprises people when you actually do it out.
The fee math always surprises people when you actually do it out.
This is the way.
What's your thoughts on the downside risk here?
This is why I come to this community. Real numbers, real analysis.
Real talk: most people can't stick to this when it gets hard.
Any thoughts on doing this in a taxable account?
Counterintuitively, the best time to buy is when you're most scared.
The international allocation debate never gets old.
This is the post I needed. Exactly my situation.
How does this compare to just buying VTI and forgetting about it?
The fee math always surprises people when you actually do it out.
I've been burned by this before. Your caution is warranted.
The compounding at year 20+ is when it gets really wild.
Interesting perspective. I see it differently — happy to elaborate.
Appreciate the transparency here. Most people gatekeep this stuff.
This is the way.
Have you modeled different interest rate scenarios?
The behavioral aspect of investing is so underrated.
The psychology of money matters as much as the math.
Great post, thanks for sharing this.
This is a masterclass. Bookmarked.
What brokerage are you using for this?
FIRE community is the most underrated corner of personal finance.
The hardest part is just not touching it during a crash.
What's your target withdrawal rate in retirement?
What's your thoughts on the downside risk here?
I respectfully disagree. The data suggests otherwise.
Love the transparency. This community needs more of this.
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