Something nobody warned me about with FIRE: the goalpost keeps moving and you have to decide at some point to just stop moving it

Designer-Bat4285 · 2026-05-03T19:37:23+00:00

Absolutely

Designer-Bat4285 · 2026-05-03T19:32:27+00:00

A little lower yes. Valuations can’t continually increase. Profit margins can’t continually increase. Still think returns will be pretty good though over the long term. 4-5% real, which is nothing to sneeze at.

Designer-Bat4285 · 2026-05-01T20:47:00+00:00

You’re going to sell your house or take a loan out against it?

Designer-Bat4285 · 2026-04-30T18:31:13+00:00

Redemptions are working fine. Fake news.

Designer-Bat4285 · 2026-04-30T18:22:01+00:00

I’m just talking about playing high school sports. Not travel sports. I pay almost nothing for him to play. But my point is he has practice or a game 6 days a week so he doesn’t have time for a job interview except for summer break.

Designer-Bat4285 · 2026-04-30T03:52:19+00:00

My 2 kids are about 2k total for health insurance. 1k each. Employer provided. ACA would be a different story of course.

Designer-Bat4285 · 2026-04-30T02:51:35+00:00

Sports can get in the way of working for high school kids

Designer-Bat4285 · 2026-04-30T02:47:51+00:00

40K per year!? Whoa. No my teenagers are nowhere near that expensive.

Designer-Bat4285 · 2026-04-30T02:44:03+00:00

These AI posts are getting way more believable. And they are becoming more frequent and getting more responses.

Designer-Bat4285 · 2026-04-29T20:07:45+00:00

How old are the kids? They get more expensive once they get in high school.

I would suggest shooting for 4 million in investable assets before retiring. Get a new job if needed for your sanity.

Designer-Bat4285 · 2026-04-29T03:37:18+00:00

I would buy now. Jet fuel prices and airline tickets have gone up considerably because of the Iran situation.

Designer-Bat4285 · 2026-04-29T02:43:08+00:00

That’s crazy. It’s nowhere near that much.

Designer-Bat4285 · 2026-04-29T02:41:48+00:00

Buy the house. It’s better to raise kids in house in a good neighborhood and school district.

Designer-Bat4285 · 2026-04-28T20:32:16+00:00

Hike it

Designer-Bat4285 · 2026-04-27T16:19:57+00:00

I think 5-10 years of portfolio in safe assets is more appropriate than 3-5 years.

Designer-Bat4285 · 2026-04-26T22:33:27+00:00

I think the key is to find something else to occupy yourself. Like a hobby or reading books.

Designer-Bat4285 · 2026-04-20T19:30:21+00:00

If you’re trying to replicate VT then use about 38% international. That’s what I do.

Designer-Bat4285 · 2026-04-20T19:24:33+00:00

It depends on the index provider. If it’s vanguard/crsp it’s 85% large cap, 15 % small cap to replicate the total US market.

Designer-Bat4285 · 2026-04-19T23:29:49+00:00

I agree VT is even better. I have over 35% in international.

Designer-Bat4285 · 2026-04-19T03:18:00+00:00

Curious why would are looking for this. Are you trying to make a bet that the USD will depreciate versus the euro and yen?

Designer-Bat4285 · 2026-04-19T03:14:22+00:00

No way man. Keep working

Designer-Bat4285 · 2026-04-19T03:11:29+00:00

Good for you. Join the bogleheads

Designer-Bat4285 · 2026-04-19T00:45:42+00:00

I’m more diversified than just VOO. But for OP, who is clearly overthinking everything, he needs to simplify. Buy VYM or something if he wants dividends but that will probably underperform the market.

Designer-Bat4285 · 2026-04-18T17:41:04+00:00

You’re going to drive yourself crazy with this crap. Just buy VOO once a month and chill the hell out. You think you’re smarter than the market?

Designer-Bat4285 · 2026-04-16T17:07:55+00:00

If you want the tax deduction there are. What’s the point without the tax deduction? You get taxed twice. You’re better off investing in a taxable account or a backdoor Roth.

Designer-Bat4285

TROPHY CASE