What does your emergency fund situation look like?
Honestly the hardest part isn't picking stocks — it's managing the emotional side. I've had to turn off notifications during big red days just to avoid panic selling.
77 Comments
How does this compare to just buying VTI and forgetting about it?
I was skeptical at first but this changed my mind.
This is the way.
This is either genius or the most expensive lesson of your life.
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.
This is exactly what I needed to read today.
This is why I come to this community. Real numbers, real analysis.
Counterintuitively, the best time to buy is when you're most scared.
Interesting perspective. I see it differently — happy to elaborate.
What catalyst are you watching for?
The compounding at year 20+ is when it gets really wild.
Have you considered the tax implications of this approach?
Done similar analysis. Your numbers check out.
This is why I come to this community. Real numbers, real analysis.
This is essentially what a financial advisor charges $5k to tell you.
How does this compare to just buying VTI and forgetting about it?
What's your target withdrawal rate in retirement?
I've been burned by this before. Your caution is warranted.
I've been thinking about this too. What's your time horizon?
Appreciate the transparency here. Most people gatekeep this stuff.
Good luck! Keep us updated.
Have you considered the tax implications of this approach?
Been saying this for years. Nice to see it laid out clearly.
Counterintuitively, the best time to buy is when you're most scared.
Counterpoint: what happens if rates stay elevated longer?
What catalyst are you watching for?
This is a masterclass. Bookmarked.
I respectfully disagree. The data suggests otherwise.
Great post, thanks for sharing this.
The hardest part is just not touching it during a crash.
This is a masterclass. Bookmarked.
How did this perform during the 2022 drawdown?
The hardest part is just not touching it during a crash.
The fee math always surprises people when you actually do it out.
Appreciate you sharing the L's too. Most people only post wins.
This is why I come to this community. Real numbers, real analysis.
Great post, thanks for sharing this.
Great post, thanks for sharing this.
This is exactly what I needed to read today.
What catalyst are you watching for?
Done similar analysis. Your numbers check out.
Counterpoint: what happens if rates stay elevated longer?
FIRE community is the most underrated corner of personal finance.
Exactly. The sequence-of-returns issue is severely underappreciated.
This is a masterclass. Bookmarked.
Interesting perspective. I see it differently — happy to elaborate.
Exactly. The sequence-of-returns issue is severely underappreciated.
This is a masterclass. Bookmarked.
Love the transparency. This community needs more of this.
How does this compare to just buying VTI and forgetting about it?
Be careful about survivorship bias in this analysis.
I've been thinking about this too. What's your time horizon?
Done similar analysis. Your numbers check out.
The hardest part is just not touching it during a crash.
Have you modeled different interest rate scenarios?
Have you considered the tax implications of this approach?
Counterpoint: what happens if rates stay elevated longer?
This is a masterclass. Bookmarked.
This is a masterclass. Bookmarked.
This is exactly what I needed to read today.
This is a solid framework. Saving this post.
Be careful about survivorship bias in this analysis.
The hardest part is just not touching it during a crash.
Be careful about survivorship bias in this analysis.
The compounding at year 20+ is when it gets really wild.
This is essentially what a financial advisor charges $5k to tell you.
Have you considered the tax implications of this approach?
FIRE community is the most underrated corner of personal finance.
Good luck! Keep us updated.
How did this perform during the 2022 drawdown?
Been saying this for years. Nice to see it laid out clearly.
Interesting perspective. I see it differently — happy to elaborate.
This is a masterclass. Bookmarked.
The compounding at year 20+ is when it gets really wild.
What's your target withdrawal rate in retirement?
Sign in to leave a comment
Sign In