Officially FI as of today — sharing my complete journey

Be careful about survivorship bias in this analysis.

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

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

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

This is a masterclass. Bookmarked.

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

Exactly. The sequence-of-returns issue is severely underappreciated.

This is a solid framework. Saving this post.

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

How long have you been doing this? Impressive numbers.

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

This is a masterclass. Bookmarked.

Mind sharing your full allocation?

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

Have you considered the tax implications of this approach?

Have you stress tested this against a 40% drawdown?

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

Counterpoint: what happens if rates stay elevated longer?

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

How long have you been doing this? Impressive numbers.

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

Great post, thanks for sharing this.

Have you modeled different interest rate scenarios?

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

This is the post I needed. Exactly my situation.

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

This is a solid framework. Saving this post.

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

Great post, thanks for sharing this.

This is a masterclass. Bookmarked.

I was skeptical at first but this changed my mind.

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

This is the way.

What brokerage are you using for this?

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

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

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

Exactly. The sequence-of-returns issue is severely underappreciated.