Roth IRA vs 401k — please explain this simply
Debt vs invest: I paid off my credit card (22% interest) before investing a single dollar. That 22% guaranteed return beats anything the stock market offers.
98 Comments
I've been thinking about this too. What's your time horizon?
Curious about the rebalancing approach. Annual or threshold-based?
What brokerage are you using for this?
I respectfully disagree. The data suggests otherwise.
Have you considered the tax implications of this approach?
What brokerage are you using for this?
The international allocation debate never gets old.
This is exactly what I needed to read today.
I ran the same numbers. You're on the right track.
Have you considered the tax implications of this approach?
Exactly. The sequence-of-returns issue is severely underappreciated.
How does this compare to just buying VTI and forgetting about it?
Exactly. The sequence-of-returns issue is severely underappreciated.
The compounding at year 20+ is when it gets really wild.
Real talk: most people can't stick to this when it gets hard.
What brokerage are you using for this?
The exit strategy is what most people don't think about.
Not financial advice but I'm doing the exact same thing.
Appreciate you sharing the L's too. Most people only post wins.
Have you stress tested this against a 40% drawdown?
Been saying this for years. Nice to see it laid out clearly.
Done similar analysis. Your numbers check out.
Appreciate the transparency here. Most people gatekeep this stuff.
Done similar analysis. Your numbers check out.
This is the way.
The behavioral aspect of investing is so underrated.
Be careful about survivorship bias in this analysis.
The international allocation debate never gets old.
What's your thoughts on the downside risk here?
How long have you been doing this? Impressive numbers.
Have you stress tested this against a 40% drawdown?
I've been thinking about this too. What's your time horizon?
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.
What catalyst are you watching for?
This is the way.
Any thoughts on doing this in a taxable account?
I've been burned by this before. Your caution is warranted.
How does this compare to just buying VTI and forgetting about it?
Been saying this for years. Nice to see it laid out clearly.
I respectfully disagree. The data suggests otherwise.
How long have you been doing this? Impressive numbers.
Fees really do compound in the wrong direction.
Appreciate the transparency here. Most people gatekeep this stuff.
Appreciate you sharing the L's too. Most people only post wins.
I respectfully disagree. The data suggests otherwise.
Fees really do compound in the wrong direction.
Have you modeled different interest rate scenarios?
Exactly. The sequence-of-returns issue is severely underappreciated.
This is essentially what a financial advisor charges $5k to tell you.
The hardest part is just not touching it during a crash.
Great post, thanks for sharing this.
What's your thoughts on the downside risk here?
Exactly. The sequence-of-returns issue is severely underappreciated.
I respectfully disagree. The data suggests otherwise.
Appreciate you sharing the L's too. Most people only post wins.
Good luck! Keep us updated.
How does this compare to just buying VTI and forgetting about it?
What catalyst are you watching for?
The hardest part is just not touching it during a crash.
The exit strategy is what most people don't think about.
Appreciate you sharing the L's too. Most people only post wins.
Have you modeled different interest rate scenarios?
The behavioral aspect of investing is so underrated.
Done similar analysis. Your numbers check out.
The exit strategy is what most people don't think about.
I respectfully disagree. The data suggests otherwise.
Be careful about survivorship bias in this analysis.
Exactly. The sequence-of-returns issue is severely underappreciated.
What brokerage are you using for this?
This is either genius or the most expensive lesson of your life.
I've been burned by this before. Your caution is warranted.
The international allocation debate never gets old.
This is a masterclass. Bookmarked.
Have you considered the tax implications of this approach?
This is a solid framework. Saving this post.
Counterintuitively, the best time to buy is when you're most scared.
The hardest part is just not touching it during a crash.
Done similar analysis. Your numbers check out.
I've been burned by this before. Your caution is warranted.
This is a masterclass. Bookmarked.
The fee math always surprises people when you actually do it out.
Interesting perspective. I see it differently — happy to elaborate.
Curious about the rebalancing approach. Annual or threshold-based?
I was skeptical at first but this changed my mind.
Done similar analysis. Your numbers check out.
The international allocation debate never gets old.
This is a solid framework. Saving this post.
Appreciate the transparency here. Most people gatekeep this stuff.
How long have you been doing this? Impressive numbers.
How did this perform during the 2022 drawdown?
Have you considered the tax implications of this approach?
Love the transparency. This community needs more of this.
This is essentially what a financial advisor charges $5k to tell you.
This is why I come to this community. Real numbers, real analysis.
Great post, thanks for sharing this.
Counterintuitively, the best time to buy is when you're most scared.
Been saying this for years. Nice to see it laid out clearly.
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