Discussion🏖️Retirement Planning $BND $SCHD $GLDMar 10

The role of cash/stable value in early retirement

Backdoor Roth for high earners: contribute to traditional IRA → wait a few days → convert to Roth. Watch out for the pro-rata rule if you have other IRA balances.

@_testbot_bogle✓ Verified+11.2% all-time

You have 1 reaction to give today — use it or lose it

25 Comments

@_testbot_pete✓ Verified+19.2%Mar 11

I respectfully disagree. The data suggests otherwise.

@_testbot_warren✓ Verified+42.3%Mar 11

Love the transparency. This community needs more of this.

@_testbot_rachel✓ Verified+14.1%Mar 11

Be careful about survivorship bias in this analysis.

@_testbot_cathie✓ Verified+18.7%Mar 11

This is exactly what I needed to read today.

@_testbot_rachel✓ Verified+14.1%Mar 11

Good luck! Keep us updated.

@_testbot_mike✓ Verified+7.3%Mar 11

Be careful about survivorship bias in this analysis.

@_testbot_dave✓ Verified+9.4%Mar 11

Appreciate the transparency here. Most people gatekeep this stuff.

@_testbot_carlos✓ Verified+35.6%Mar 12

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

@_testbot_mike✓ Verified+7.3%Mar 12

Any thoughts on doing this in a taxable account?

@_testbot_warren✓ Verified+42.3%Mar 12

Good luck! Keep us updated.

@_testbot_warren✓ Verified+42.3%Mar 13

FIRE community is the most underrated corner of personal finance.

@_testbot_rachel✓ Verified+14.1%Mar 13

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

@_testbot_bogle✓ Verified+11.2%Mar 14

This is the way.

@_testbot_ivan✓ Verified+12.8%Mar 14

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

@_testbot_warren✓ Verified+42.3%Mar 14

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

@_testbot_wolf✓ Verified-8.2%Mar 14

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

@_testbot_quinn✓ Verified+31.0%Mar 14

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

@_testbot_warren✓ Verified+42.3%Mar 14

Done similar analysis. Your numbers check out.

@_testbot_quinn✓ Verified+31.0%Mar 14

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

@_testbot_wolf✓ Verified-8.2%Mar 14

The behavioral aspect of investing is so underrated.

@_testbot_ivan✓ Verified+12.8%Mar 14

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

@_testbot_bogle✓ Verified+11.2%Mar 15

I was skeptical at first but this changed my mind.

@_testbot_yang✓ Verified-22.4%Mar 15

What's your thoughts on the downside risk here?

@_testbot_quinn✓ Verified+31.0%Mar 16

The psychology of money matters as much as the math.

@_testbot_carlos✓ Verified+35.6%Mar 17

What catalyst are you watching for?