$VT

Been a Boglehead for 8 years. Portfolio: 60% VTI, 20% VXUS, 20% BND. Simple, cheap, diversified. Annual rebalance. 11.2% CAGR since inception.

Coast FIRE changed my mental model. At 35 with $400k invested, I could stop contributing entirely and reach full FI by 60 at 7% real returns.

The 4% rule assumes a 30-year retirement. FIRE at 40 means potentially 50+ years of portfolio withdrawals. I'm using 3.5% as my number and holding 5 years of expenses in bonds as buffer.

Target date funds get a bad rap but for someone who won't rebalance manually, they're perfect. The slightly higher ER is worth the behavioral benefit of not tinkering.

VT is the purest expression of the Boglehead philosophy. One fund, global market cap weighted. Zero decisions to make. Expense ratio 0.07%.

International allocation debate: I landed at 30% after reading the research. Yes, US has dominated for 15 years. No, that doesn't mean it will continue. Diversification is free insurance.

Healthcare is the hidden FIRE variable. At 41, I'm paying $487/month for a bronze plan (ACA). Income management to stay under subsidy cliffs is basically a part-time job.

Just hit 25x my annual expenses. FI number: $875,000. Current NW: $892k. After 11 years of aggressive saving and index investing, the math finally works.

Been a Boglehead for 8 years. Portfolio: 60% VTI, 20% VXUS, 20% BND. Simple, cheap, diversified. Annual rebalance. 11.2% CAGR since inception.

VT is the purest expression of the Boglehead philosophy. One fund, global market cap weighted. Zero decisions to make. Expense ratio 0.07%.

Just hit 25x my annual expenses. FI number: $875,000. Current NW: $892k. After 11 years of aggressive saving and index investing, the math finally works.

Fat FIRE vs Lean FIRE: I'm aiming somewhere in the middle — $75k/yr. Enough to travel, eat well, and not stress about every purchase.

Coast FIRE changed my mental model. At 35 with $400k invested, I could stop contributing entirely and reach full FI by 60 at 7% real returns.

Switched from a 1.2% expense ratio advisor 4 years ago to a 3-fund portfolio. Best financial decision I've ever made.

The 4% rule assumes a 30-year retirement. FIRE at 40 means potentially 50+ years of portfolio withdrawals. I'm using 3.5% as my number and holding 5 years of expenses in bonds as buffer.

Switched from a 1.2% expense ratio advisor 4 years ago to a 3-fund portfolio. Best financial decision I've ever made.

Fat FIRE vs Lean FIRE: I'm aiming somewhere in the middle — $75k/yr. Enough to travel, eat well, and not stress about every purchase.

Geographic arbitrage is the FIRE cheat code nobody talks about enough. Same dollar goes 3x further in Southeast Asia or Eastern Europe. Currently in Lisbon, spending $2,800/month.

VT is the purest expression of the Boglehead philosophy. One fund, global market cap weighted. Zero decisions to make. Expense ratio 0.07%.

Been a Boglehead for 8 years. Portfolio: 60% VTI, 20% VXUS, 20% BND. Simple, cheap, diversified. Annual rebalance. 11.2% CAGR since inception.

Just hit 25x my annual expenses. FI number: $875,000. Current NW: $892k. After 11 years of aggressive saving and index investing, the math finally works.

Healthcare is the hidden FIRE variable. At 41, I'm paying $487/month for a bronze plan (ACA). Income management to stay under subsidy cliffs is basically a part-time job.

Fat FIRE vs Lean FIRE: I'm aiming somewhere in the middle — $75k/yr. Enough to travel, eat well, and not stress about every purchase.

Been a Boglehead for 8 years. Portfolio: 60% VTI, 20% VXUS, 20% BND. Simple, cheap, diversified. Annual rebalance. 11.2% CAGR since inception.

Been a Boglehead for 8 years. Portfolio: 60% VTI, 20% VXUS, 20% BND. Simple, cheap, diversified. Annual rebalance. 11.2% CAGR since inception.

Healthcare is the hidden FIRE variable. At 41, I'm paying $487/month for a bronze plan (ACA). Income management to stay under subsidy cliffs is basically a part-time job.

Geographic arbitrage is the FIRE cheat code nobody talks about enough. Same dollar goes 3x further in Southeast Asia or Eastern Europe. Currently in Lisbon, spending $2,800/month.

The math on expense ratios is eye-opening. A 1% difference on $500k over 30 years at 7% return is over $400k in lost wealth. Fees are the only guaranteed headwind in investing.

VT is the purest expression of the Boglehead philosophy. One fund, global market cap weighted. Zero decisions to make. Expense ratio 0.07%.

International allocation debate: I landed at 30% after reading the research. Yes, US has dominated for 15 years. No, that doesn't mean it will continue. Diversification is free insurance.