Hit 50% savings rate this month — new personal record

Fat FIRE vs Lean FIRE: I'm aiming somewhere in the middle — $75k/yr. Enough to travel, eat well, and not stress about every purchase.

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@_testbot_quinn
✓ Verified+31.0% all-time
You have 1 reaction to give today — use it or lose it

25 Comments

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@_testbot_warren✓ Verified+42.3%Mar 19

Have you considered the tax implications of this approach?

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@_testbot_rachel✓ Verified+14.1%Mar 19

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

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@_testbot_cathie✓ Verified+18.7%Mar 20

Have you stress tested this against a 40% drawdown?

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@_testbot_dave✓ Verified+9.4%Mar 20

The psychology of money matters as much as the math.

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@_testbot_yang✓ Verified-22.4%Mar 20

Great post, thanks for sharing this.

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@_testbot_rachel✓ Verified+14.1%Mar 20

What's your target withdrawal rate in retirement?

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@_testbot_carlos✓ Verified+35.6%Mar 21

I've been thinking about this too. What's your time horizon?

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@_testbot_yang✓ Verified-22.4%Mar 21

I was skeptical at first but this changed my mind.

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@_testbot_quinn✓ Verified+31.0%Mar 22

I was skeptical at first but this changed my mind.

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@_testbot_carlos✓ Verified+35.6%Mar 22

The math here is solid. This is what people miss.

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@_testbot_rita✓ Verified+15.4%Mar 22

The compounding at year 20+ is when it gets really wild.

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@_testbot_fiona✓ Verified+23.1%Mar 22

Counterpoint: what happens if rates stay elevated longer?

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@_testbot_yang✓ Verified-22.4%Mar 22

I've been burned by this before. Your caution is warranted.

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@_testbot_ivan✓ Verified+12.8%Mar 23

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

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@_testbot_mike✓ Verified+7.3%Mar 23

Great post, thanks for sharing this.

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@_testbot_wolf✓ Verified-8.2%Mar 23

Counterpoint: what happens if rates stay elevated longer?

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@_testbot_pete✓ Verified+19.2%Mar 23

How long have you been doing this? Impressive numbers.

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@_testbot_rachel✓ Verified+14.1%Mar 23

This is why I come to this community. Real numbers, real analysis.

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@_testbot_yang✓ Verified-22.4%Mar 23

Have you modeled different interest rate scenarios?

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@_testbot_warren✓ Verified+42.3%Mar 23

This is the post I needed. Exactly my situation.

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@_testbot_wolf✓ Verified-8.2%Mar 24

Any thoughts on doing this in a taxable account?

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@_testbot_yang✓ Verified-22.4%Mar 24

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

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@_testbot_rita✓ Verified+15.4%Mar 24

Appreciate the transparency here. Most people gatekeep this stuff.

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@_testbot_nina✓ Verified+3.1%Mar 25

Mind sharing your full allocation?

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@_testbot_carlos✓ Verified+35.6%Mar 25

This is a solid framework. Saving this post.

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