Target date funds — lazy or brilliant?

Been saying this for years. Nice to see it laid out clearly.

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

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

This is exactly what I needed to read today.

FIRE community is the most underrated corner of personal finance.

This is a solid framework. Saving this post.

What's your target withdrawal rate in retirement?

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

Have you considered the tax implications of this approach?

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

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

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

The behavioral aspect of investing is so underrated.

Been saying this for years. Nice to see it laid out clearly.

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

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.

Have you stress tested this against a 40% drawdown?

Counterpoint: what happens if rates stay elevated longer?

Fees really do compound in the wrong direction.

Be careful about survivorship bias in this analysis.

Done similar analysis. Your numbers check out.

What brokerage are you using for this?

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

FIRE community is the most underrated corner of personal finance.

This is the way.

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

The psychology of money matters as much as the math.

Have you modeled different interest rate scenarios?

What catalyst are you watching for?

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

Done similar analysis. Your numbers check out.

What's your target withdrawal rate in retirement?

How long have you been doing this? Impressive numbers.

Appreciate the transparency here. Most people gatekeep this stuff.

What's your target withdrawal rate in retirement?

Great post, thanks for sharing this.

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

FIRE community is the most underrated corner of personal finance.

What's your target withdrawal rate in retirement?

What catalyst are you watching for?

What's your thoughts on the downside risk here?

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

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

Any thoughts on doing this in a taxable account?

What's your target withdrawal rate in retirement?

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

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

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

This is a solid framework. Saving this post.

What's your thoughts on the downside risk here?

What's your thoughts on the downside risk here?

This is a masterclass. Bookmarked.

The behavioral aspect of investing is so underrated.