First $500k — sharing the allocation that got me here
Tech concentration reality check: I work at a tech company, own stock grants in tech, hold VOO (30% tech), and individual NVDA/MSFT. My financial life is incredibly correlated to tech.
100 Comments
Been saying this for years. Nice to see it laid out clearly.
Appreciate you sharing the L's too. Most people only post wins.
What's your target withdrawal rate in retirement?
The psychology of money matters as much as the math.
This is essentially what a financial advisor charges $5k to tell you.
Done similar analysis. Your numbers check out.
Counterpoint: what happens if rates stay elevated longer?
The hardest part is just not touching it during a crash.
The behavioral aspect of investing is so underrated.
The fee math always surprises people when you actually do it out.
Counterintuitively, the best time to buy is when you're most scared.
Appreciate you sharing the L's too. Most people only post wins.
Appreciate the transparency here. Most people gatekeep this stuff.
Love the transparency. This community needs more of this.
Curious about the rebalancing approach. Annual or threshold-based?
How did this perform during the 2022 drawdown?
Have you stress tested this against a 40% drawdown?
This is essentially what a financial advisor charges $5k to tell you.
Real talk: most people can't stick to this when it gets hard.
Have you considered the tax implications of this approach?
FIRE community is the most underrated corner of personal finance.
Exactly. The sequence-of-returns issue is severely underappreciated.
Good luck! Keep us updated.
What brokerage are you using for this?
What's your thoughts on the downside risk here?
I've been thinking about this too. What's your time horizon?
Counterintuitively, the best time to buy is when you're most scared.
Interesting perspective. I see it differently — happy to elaborate.
Fees really do compound in the wrong direction.
Have you modeled different interest rate scenarios?
I've been burned by this before. Your caution is warranted.
Be careful about survivorship bias in this analysis.
Fees really do compound in the wrong direction.
Appreciate the transparency here. Most people gatekeep this stuff.
The hardest part is just not touching it during a crash.
Been saying this for years. Nice to see it laid out clearly.
Done similar analysis. Your numbers check out.
Exactly. The sequence-of-returns issue is severely underappreciated.
Have you considered the tax implications of this approach?
Mind sharing your full allocation?
Love the transparency. This community needs more of this.
The fee math always surprises people when you actually do it out.
This is either genius or the most expensive lesson of your life.
This is the way.
How long have you been doing this? Impressive numbers.
The fee math always surprises people when you actually do it out.
The hardest part is just not touching it during a crash.
Appreciate the transparency here. Most people gatekeep this stuff.
Have you considered the tax implications of this approach?
Done similar analysis. Your numbers check out.
How does this compare to just buying VTI and forgetting about it?
Have you considered the tax implications of this approach?
The international allocation debate never gets old.
Real talk: most people can't stick to this when it gets hard.
I was skeptical at first but this changed my mind.
This is the way.
What catalyst are you watching for?
The exit strategy is what most people don't think about.
Good luck! Keep us updated.
Real talk: most people can't stick to this when it gets hard.
I've been burned by this before. Your caution is warranted.
FIRE community is the most underrated corner of personal finance.
Been saying this for years. Nice to see it laid out clearly.
I ran the same numbers. You're on the right track.
Interesting perspective. I see it differently — happy to elaborate.
Real talk: most people can't stick to this when it gets hard.
What's your thoughts on the downside risk here?
I respectfully disagree. The data suggests otherwise.
The psychology of money matters as much as the math.
How did this perform during the 2022 drawdown?
Have you modeled different interest rate scenarios?
What brokerage are you using for this?
Not financial advice but I'm doing the exact same thing.
How did this perform during the 2022 drawdown?
FIRE community is the most underrated corner of personal finance.
FIRE community is the most underrated corner of personal finance.
Counterintuitively, the best time to buy is when you're most scared.
This is the post I needed. Exactly my situation.
What catalyst are you watching for?
Good luck! Keep us updated.
How did this perform during the 2022 drawdown?
What's your thoughts on the downside risk here?
The exit strategy is what most people don't think about.
The psychology of money matters as much as the math.
This is why I come to this community. Real numbers, real analysis.
What brokerage are you using for this?
The behavioral aspect of investing is so underrated.
This is the post I needed. Exactly my situation.
Real talk: most people can't stick to this when it gets hard.
This is the post I needed. Exactly my situation.
Great post, thanks for sharing this.
Appreciate the transparency here. Most people gatekeep this stuff.
Been saying this for years. Nice to see it laid out clearly.
How long have you been doing this? Impressive numbers.
I was skeptical at first but this changed my mind.
Curious about the rebalancing approach. Annual or threshold-based?
Good luck! Keep us updated.
FIRE community is the most underrated corner of personal finance.
Exactly. The sequence-of-returns issue is severely underappreciated.
Any thoughts on doing this in a taxable account?
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