Backdoor Roth: step-by-step walkthrough

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

I was skeptical at first but this changed my mind.

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

The behavioral aspect of investing is so underrated.

Counterpoint: what happens if rates stay elevated longer?

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

Good luck! Keep us updated.

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

Have you considered the tax implications of this approach?

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

Mind sharing your full allocation?

This is the way.

Mind sharing your full allocation?

Have you considered the tax implications of this approach?

The psychology of money matters as much as the math.

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

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

How did this perform during the 2022 drawdown?

What's your target withdrawal rate in retirement?

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

This is a masterclass. Bookmarked.

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

Any thoughts on doing this in a taxable account?

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

Counterpoint: what happens if rates stay elevated longer?

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

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

This is the post I needed. Exactly my situation.

Appreciate the transparency here. Most people gatekeep this stuff.

This is a solid framework. Saving this post.

Counterpoint: what happens if rates stay elevated longer?

Have you considered the tax implications of this approach?

FIRE community is the most underrated corner of personal finance.

Be careful about survivorship bias in this analysis.

Appreciate the transparency here. Most people gatekeep this stuff.

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

The psychology of money matters as much as the math.

Have you stress tested this against a 40% drawdown?

Appreciate the transparency here. Most people gatekeep this stuff.

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

How did this perform during the 2022 drawdown?