Post-divorce financial rebuild — starting over at 41

Done similar analysis. Your numbers check out.

Have you considered the tax implications of this approach?

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

I respectfully disagree. The data suggests otherwise.

What's your thoughts on the downside risk here?

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

Any thoughts on doing this in a taxable account?

This is a masterclass. Bookmarked.

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

Have you stress tested this against a 40% drawdown?

Fees really do compound in the wrong direction.

What's your target withdrawal rate in retirement?

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

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

What's your thoughts on the downside risk here?

The psychology of money matters as much as the math.

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

The international allocation debate never gets old.

Counterpoint: what happens if rates stay elevated longer?

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

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

Mind sharing your full allocation?

This is a solid framework. Saving this post.

This is a masterclass. Bookmarked.

What's your target withdrawal rate in retirement?

The international allocation debate never gets old.

This is the way.

What brokerage are you using for this?

This is a masterclass. Bookmarked.

Counterpoint: what happens if rates stay elevated longer?

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

This is the post I needed. Exactly my situation.

Counterpoint: what happens if rates stay elevated longer?

FIRE community is the most underrated corner of personal finance.

Be careful about survivorship bias in this analysis.

What's your target withdrawal rate in retirement?

The behavioral aspect of investing is so underrated.

The behavioral aspect of investing is so underrated.

This is the post I needed. Exactly my situation.

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

Have you stress tested this against a 40% drawdown?

Be careful about survivorship bias in this analysis.

Have you considered the tax implications of this approach?

What's your target withdrawal rate in retirement?

What's your target withdrawal rate in retirement?

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

What's your target withdrawal rate in retirement?

What's your thoughts on the downside risk here?

Have you modeled different interest rate scenarios?

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

Any thoughts on doing this in a taxable account?

Mind sharing your full allocation?

Love the transparency. This community needs more of this.

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

FIRE community is the most underrated corner of personal finance.

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

How long have you been doing this? Impressive numbers.

I respectfully disagree. The data suggests otherwise.

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

What brokerage are you using for this?

Appreciate the transparency here. Most people gatekeep this stuff.

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

Done similar analysis. Your numbers check out.

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

Have you stress tested this against a 40% drawdown?

Fees really do compound in the wrong direction.

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

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

Mind sharing your full allocation?

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