Why hasn't anyone mentioned HYSA in this thread?
Can we get a FAQ that includes this? Great post
Following this thread for updates
Agree with everything except the part about ETF
Can you elaborate on the index fund part?
The career decisions vs investment optimization framing is exactly right. Most personal finance focuses on the smaller lever.
Why hasn't anyone mentioned index fund in this thread?
BND is criminally underappreciated in conversations about portfolio construction.
Running the early vs late investor numbers myself confirmed everything you said. The math is unambiguous.
The passive course income breakdown is useful because it's honest about the failure rate and what made it work.
This is the way
Hot take but I think you're right
The pay-off-mortgage-early retrospective is refreshingly honest. Most posts don't acknowledge the opportunity cost.
The frugality-as-intention reframe is the best version of that concept I've read.
I've run the VTI vs high-fee fund numbers more times than I can count. The result is always the same.
The fee drag math is devastating. Every person investing in actively managed funds should run these numbers.
Appreciate the honest discussion of what Coast FIRE actually means day-to-day. The theory and the reality can diverge.
I ran the fee drag math on my previous actively managed fund and switched to VTI the same day.
Source? Not doubting you, just want to learn more
The point about asking for the company's budgeted range during negotiation is the move most people are afraid to make.
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Why hasn't anyone mentioned HYSA in this thread?
Can we get a FAQ that includes this? Great post
Following this thread for updates
Agree with everything except the part about ETF
Can you elaborate on the index fund part?
The career decisions vs investment optimization framing is exactly right. Most personal finance focuses on the smaller lever.
Why hasn't anyone mentioned index fund in this thread?
BND is criminally underappreciated in conversations about portfolio construction.
Running the early vs late investor numbers myself confirmed everything you said. The math is unambiguous.
The passive course income breakdown is useful because it's honest about the failure rate and what made it work.
This is the way
Hot take but I think you're right
The pay-off-mortgage-early retrospective is refreshingly honest. Most posts don't acknowledge the opportunity cost.
The frugality-as-intention reframe is the best version of that concept I've read.
I've run the VTI vs high-fee fund numbers more times than I can count. The result is always the same.
The fee drag math is devastating. Every person investing in actively managed funds should run these numbers.
Appreciate the honest discussion of what Coast FIRE actually means day-to-day. The theory and the reality can diverge.
I ran the fee drag math on my previous actively managed fund and switched to VTI the same day.
Source? Not doubting you, just want to learn more
The point about asking for the company's budgeted range during negotiation is the move most people are afraid to make.