What's everyone's take on the current market conditions?

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

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

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

Have you considered the tax implications of this approach?

Done similar analysis. Your numbers check out.

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

Done similar analysis. Your numbers check out.

Any thoughts on doing this in a taxable account?

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

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

What's your thoughts on the downside risk here?

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

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

Great post, thanks for sharing this.

Great post, thanks for sharing this.

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

The psychology of money matters as much as the math.

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

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

This is exactly what I needed to read today.

Good luck! Keep us updated.

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

FIRE community is the most underrated corner of personal finance.

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

Any thoughts on doing this in a taxable account?

I respectfully disagree. The data suggests otherwise.

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

What's your target withdrawal rate in retirement?

This is the post I needed. Exactly my situation.

Be careful about survivorship bias in this analysis.

This is a masterclass. Bookmarked.

The psychology of money matters as much as the math.

Done similar analysis. Your numbers check out.

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

What's your thoughts on the downside risk here?

Fees really do compound in the wrong direction.

How did this perform during the 2022 drawdown?

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

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

Be careful about survivorship bias in this analysis.

What brokerage are you using for this?

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

The international allocation debate never gets old.

The psychology of money matters as much as the math.

I respectfully disagree. The data suggests otherwise.

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

This is exactly what I needed to read today.

This is a solid framework. Saving this post.

This is a solid framework. Saving this post.

This is exactly what I needed to read today.

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

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

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

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

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

Have you modeled different interest rate scenarios?

Counterpoint: what happens if rates stay elevated longer?

I respectfully disagree. The data suggests otherwise.

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

This is a masterclass. Bookmarked.

What's your thoughts on the downside risk here?

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

This is exactly what I needed to read today.

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

What's your target withdrawal rate in retirement?

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

Counterpoint: what happens if rates stay elevated longer?

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

Be careful about survivorship bias in this analysis.

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

FIRE community is the most underrated corner of personal finance.

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

Counterpoint: what happens if rates stay elevated longer?

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

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

Fees really do compound in the wrong direction.

Counterpoint: what happens if rates stay elevated longer?

Counterpoint: what happens if rates stay elevated longer?

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

Good luck! Keep us updated.