Sequence of returns risk — my first-decade strategy

What's your target withdrawal rate in retirement?

Have you stress tested this against a 40% drawdown?

This is a solid framework. Saving this post.

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

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

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

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

The fee math always surprises people when you actually do it out.

What's your target withdrawal rate in retirement?

The international allocation debate never gets old.

What brokerage are you using for this?

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

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

Have you considered the tax implications of this approach?

What's your thoughts on the downside risk here?

FIRE community is the most underrated corner of personal finance.

This is exactly what I needed to read today.

Good luck! Keep us updated.

The psychology of money matters as much as the math.

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

What's your thoughts on the downside risk here?

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

Fees really do compound in the wrong direction.

Appreciate the transparency here. Most people gatekeep this stuff.

How long have you been doing this? Impressive numbers.

The psychology of money matters as much as the math.

This is the post I needed. Exactly my situation.

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

This is exactly what I needed to read today.

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

What catalyst are you watching for?

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

Be careful about survivorship bias in this analysis.

Good luck! Keep us updated.

Any thoughts on doing this in a taxable account?

FIRE community is the most underrated corner of personal finance.

This is a solid framework. Saving this post.

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

Be careful about survivorship bias in this analysis.

I respectfully disagree. The data suggests otherwise.

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

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

Any thoughts on doing this in a taxable account?

FIRE community is the most underrated corner of personal finance.

What's your target withdrawal rate in retirement?

I was skeptical at first but this changed my mind.

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

Good luck! Keep us updated.

What's your thoughts on the downside risk here?

The international allocation debate never gets old.

The fee math always surprises people when you actually do it out.

The behavioral aspect of investing is so underrated.

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

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

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

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

Have you modeled different interest rate scenarios?