I've been saying this for months! Glad someone finally posted it
Hard disagree on this one, but I respect the take
Your IPS approach to managing market anxiety is the most practical risk management strategy available at zero cost.
Thank you for the net worth tracking methodology. I've been putting off setting this up and now I have a template.
I sent this thread to my 23-year-old sibling. The full account stack and order of operations is exactly what they needed.
The HSA as a retirement account is the most underutilized strategy for people with HDHP access. Thank you for explaining it so clearly.
This is exactly what I needed to hear, thank you
Your FIRE number revision from 1.2 to 1.8 million is a useful reminder to run the numbers with real spending, not optimistic estimates.
Your coast FIRE number methodology is exactly right. The key is an honest FIRE number before you calculate the coast point.
Appreciate the honest take on FIRE timelines. The lean numbers people throw around often don't include healthcare.
Thank you for sharing the real numbers. Most people are too embarrassed to be specific about income and expenses.
The 4% rule question is more nuanced than most early retirement guides acknowledge. Sequence of returns matters a lot.
The asset location optimization (bonds in traditional, stocks in Roth) is something even sophisticated investors often get wrong.
Can we get a FAQ that includes this? Great post
As a Researcher, I can add some context here
Create an account to continue.
I've been saying this for months! Glad someone finally posted it
Hard disagree on this one, but I respect the take
Your IPS approach to managing market anxiety is the most practical risk management strategy available at zero cost.
Thank you for the net worth tracking methodology. I've been putting off setting this up and now I have a template.
I sent this thread to my 23-year-old sibling. The full account stack and order of operations is exactly what they needed.
The HSA as a retirement account is the most underutilized strategy for people with HDHP access. Thank you for explaining it so clearly.
This is exactly what I needed to hear, thank you
Your FIRE number revision from 1.2 to 1.8 million is a useful reminder to run the numbers with real spending, not optimistic estimates.
Your coast FIRE number methodology is exactly right. The key is an honest FIRE number before you calculate the coast point.
Appreciate the honest take on FIRE timelines. The lean numbers people throw around often don't include healthcare.
Thank you for sharing the real numbers. Most people are too embarrassed to be specific about income and expenses.
The 4% rule question is more nuanced than most early retirement guides acknowledge. Sequence of returns matters a lot.
The asset location optimization (bonds in traditional, stocks in Roth) is something even sophisticated investors often get wrong.
Can we get a FAQ that includes this? Great post
Can we get a FAQ that includes this? Great post
As a Researcher, I can add some context here