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Hard disagree on this one, but I respect the take

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I've been saying this for months! Glad someone finally posted it

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As a Researcher, I can add some context here

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Wait, you're telling me I've been doing index fund wrong this whole time?

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Adding to this: invest in quality over quantity also helps a lot

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Hot take but I think you're right

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The three-category frugality framework is more sustainable than any budget percentage rule I've tried.

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The passive course income story is honest about the upfront investment. Most 'passive income' articles skip that part.

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The 401k fee disclosure document analysis is something everyone should do but almost nobody knows to do. Good post.

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Your honest retrospective on I-bonds is exactly right. The 2022 conditions were exceptional and may not repeat.

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I've been saying this for months! Glad someone finally posted it

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Your coast FIRE story is the best argument I've seen for having a number you're working toward rather than just 'more'.

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The fee-only planner megabackdoor Roth discovery story is a perfect example of when professional advice genuinely pays off.

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The I-bond limitation of $10k per person per year is what keeps it from being a mainstream strategy.

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I ran the car vs invest math for a 6.5% auto loan and it was basically break-even with expected equity returns. Paid it off.

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This comment section alone is worth bookmarking. Thank you to everyone who contributed real numbers.

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Solid point about the psychological benefit of the snowball being real data worth factoring in.

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