$VXUS

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

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.

Japan: the Nikkei finally broke its 1989 highs. Corporate governance reforms are real. Valuations still reasonable. Added 5% Japan exposure through EWJ last year.

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

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.

European valuations: P/E of 14x vs S&P at 22x. Yes Europe has structural issues. But an 8x multiple gap is a lot of buffer for things to go wrong.

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.

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.

India thesis: 1.4B population, median age 28, rising middle class, English-speaking workforce, democratic rule of law. GDP growth 6-7%. Market is expensive but for a reason.

European valuations: P/E of 14x vs S&P at 22x. Yes Europe has structural issues. But an 8x multiple gap is a lot of buffer for things to go wrong.

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.

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.

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.

US market is 65% of global market cap. Holding only US stocks is an active bet that this concentration persists. I hold 30% international (VXUS) because I don't know which market wins over 30 years.

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.

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.

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

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.

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.

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.

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.

India thesis: 1.4B population, median age 28, rising middle class, English-speaking workforce, democratic rule of law. GDP growth 6-7%. Market is expensive but for a reason.

European valuations: P/E of 14x vs S&P at 22x. Yes Europe has structural issues. But an 8x multiple gap is a lot of buffer for things to go wrong.

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

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.

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.

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.