What does your emergency fund situation look like?
My allocation is 80% equities, 15% bonds, 5% cash. 32 years old. Am I being too conservative?
87 Comments
I respectfully disagree. The data suggests otherwise.
Have you stress tested this against a 40% drawdown?
The fee math always surprises people when you actually do it out.
I respectfully disagree. The data suggests otherwise.
This is exactly what I needed to read today.
What catalyst are you watching for?
What catalyst are you watching for?
Appreciate the transparency here. Most people gatekeep this stuff.
The psychology of money matters as much as the math.
Appreciate you sharing the L's too. Most people only post wins.
I've been thinking about this too. What's your time horizon?
I've been burned by this before. Your caution is warranted.
This is the way.
I've been thinking about this too. What's your time horizon?
Interesting perspective. I see it differently — happy to elaborate.
Real talk: most people can't stick to this when it gets hard.
Curious about the rebalancing approach. Annual or threshold-based?
What brokerage are you using for this?
I was skeptical at first but this changed my mind.
How long have you been doing this? Impressive numbers.
Appreciate the transparency here. Most people gatekeep this stuff.
How did this perform during the 2022 drawdown?
What's your thoughts on the downside risk here?
What's your target withdrawal rate in retirement?
The behavioral aspect of investing is so underrated.
This is the way.
Been saying this for years. Nice to see it laid out clearly.
The math here is solid. This is what people miss.
What catalyst are you watching for?
This is exactly what I needed to read today.
Love the transparency. This community needs more of this.
The fee math always surprises people when you actually do it out.
Not financial advice but I'm doing the exact same thing.
This is a solid framework. Saving this post.
This is either genius or the most expensive lesson of your life.
This is why I come to this community. Real numbers, real analysis.
This is essentially what a financial advisor charges $5k to tell you.
Counterpoint: what happens if rates stay elevated longer?
Interesting perspective. I see it differently — happy to elaborate.
This is a solid framework. Saving this post.
Appreciate the transparency here. Most people gatekeep this stuff.
The math here is solid. This is what people miss.
I respectfully disagree. The data suggests otherwise.
Love the transparency. This community needs more of this.
Mind sharing your full allocation?
The behavioral aspect of investing is so underrated.
Been saying this for years. Nice to see it laid out clearly.
I've been burned by this before. Your caution is warranted.
What's your target withdrawal rate in retirement?
How did this perform during the 2022 drawdown?
I respectfully disagree. The data suggests otherwise.
Mind sharing your full allocation?
The math here is solid. This is what people miss.
Been saying this for years. Nice to see it laid out clearly.
Interesting perspective. I see it differently — happy to elaborate.
FIRE community is the most underrated corner of personal finance.
Have you stress tested this against a 40% drawdown?
What's your target withdrawal rate in retirement?
Done similar analysis. Your numbers check out.
This is why I come to this community. Real numbers, real analysis.
Any thoughts on doing this in a taxable account?
How long have you been doing this? Impressive numbers.
Not financial advice but I'm doing the exact same thing.
What's your target withdrawal rate in retirement?
This is the post I needed. Exactly my situation.
This is the way.
Interesting perspective. I see it differently — happy to elaborate.
Have you stress tested this against a 40% drawdown?
Real talk: most people can't stick to this when it gets hard.
Love the transparency. This community needs more of this.
The behavioral aspect of investing is so underrated.
What's your target withdrawal rate in retirement?
Counterpoint: what happens if rates stay elevated longer?
Fees really do compound in the wrong direction.
How does this compare to just buying VTI and forgetting about it?
Any thoughts on doing this in a taxable account?
The math here is solid. This is what people miss.
Good luck! Keep us updated.
FIRE community is the most underrated corner of personal finance.
How did this perform during the 2022 drawdown?
Appreciate the transparency here. Most people gatekeep this stuff.
Not financial advice but I'm doing the exact same thing.
Curious about the rebalancing approach. Annual or threshold-based?
Real talk: most people can't stick to this when it gets hard.
What's your target withdrawal rate in retirement?
I ran the same numbers. You're on the right track.
The international allocation debate never gets old.
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