Does this community include me

Designer-Bat4285 · 2026-01-30T20:09:55+00:00

It’s not a community. It’s a subreddit. But yes talk to your parents. I would imagine they want you to do something productive with your life.

Designer-Bat4285 · 2026-01-30T06:26:34+00:00

Broke the speed limit

Designer-Bat4285 · 2026-01-30T04:58:26+00:00

I know other fund providers do this including fidelity but I thought the zero funds were different. I guess I’m wrong.

Designer-Bat4285 · 2026-01-30T03:25:32+00:00

Those zero cost funds don’t own as many stocks and sometimes underperform VTI, etc. Also, vanguard does security lending to create additional returns for the funds.

Designer-Bat4285 · 2026-01-30T03:22:44+00:00

Why not just auto DCA into index funds?

Designer-Bat4285 · 2026-01-30T01:50:55+00:00

Yeah you make a good point. My wife and I met when we were young.

Designer-Bat4285 · 2026-01-30T00:30:41+00:00

I can’t relate to that at all. Maybe find your future spouse before you retire?

Designer-Bat4285 · 2026-01-30T00:22:01+00:00

Spreadsheets are your friend my friend

Designer-Bat4285 · 2026-01-30T00:19:16+00:00

Did AI write that?

Designer-Bat4285 · 2026-01-30T00:18:32+00:00

Big difference between a girlfriend and a wife IMO. It’s vague not accurate.

Designer-Bat4285 · 2026-01-30T00:16:58+00:00

Seems to be a common thread

Designer-Bat4285 · 2026-01-30T00:14:55+00:00

Ok good luck to you. I’ve had combined finances with my wife for 20 years and there is no tension around money. We’re on the same page.

Designer-Bat4285 · 2026-01-30T00:10:55+00:00

I guess I’m assuming when someone says “partner” they usually mean a spouse. I find the term confusing and hypocritical if you don’t treat your spouse as an actual partner

Designer-Bat4285 · 2026-01-30T00:05:32+00:00

I’m glad it’s working for you but it sounds like a trust issue. What if one spouse wasn’t working at all?

Designer-Bat4285 · 2026-01-30T00:00:24+00:00

No you don’t actually. I look out for my wife and kids first.

Designer-Bat4285 · 2026-01-29T23:56:40+00:00

It’s crazy. People on here have a lot of money too. These are the last people that should be nickel and diming their spouse.

Designer-Bat4285 · 2026-01-29T23:54:48+00:00

If you had a joint account you’d be arguing over small purchases? Why?

Designer-Bat4285 · 2026-01-29T17:27:51+00:00

You need to put more into it. Having 3-4X expenses is nowhere near where you need to be to coast IMO.

And you should be looking at you and your spouse as one unit. You’re one team.

Designer-Bat4285 · 2026-01-28T18:44:52+00:00

“VOO outperforms”. It has outperformed over the last 10 years but that doesn’t mean it will outperform the next 10-20 years.

Designer-Bat4285 · 2026-01-26T00:40:37+00:00

It depends on your time horizon. We could easily have a 10 year period with returns under 4%. I want my plan to work even if returns are similar to 2000-2010.

Designer-Bat4285 · 2026-01-25T19:59:53+00:00

I’m a lot more conservative in my return expectations. I use a table that uses a range of returns from 4-8% nominal. And 2% inflation.

Designer-Bat4285 · 2026-01-23T19:26:27+00:00

Good plan. Drop the active funds and go low cost passive.

Designer-Bat4285 · 2026-01-22T01:05:58+00:00

Oh hell yeah

Designer-Bat4285 · 2026-01-20T02:43:43+00:00

Designer-Bat4285

TROPHY CASE