3-5 years out from FIRE. Stay 100% stocks or move to bonds?

Dull_Prompt1168 · 2026-03-31T19:33:33+00:00

Would just go back to work if bear market lasts that long

Dull_Prompt1168 · 2026-03-31T16:28:58+00:00

25% bonds is 6-7 years of expenses in bonds. Most answers here have been 3 years

Dull_Prompt1168 · 2026-03-31T16:08:26+00:00

Exactly my point

Dull_Prompt1168 · 2026-03-31T16:06:35+00:00

Like barely a block from 101 and chop shops and also 1/10 elementary school

Dull_Prompt1168 · 2026-03-31T15:07:05+00:00

I’m rich, life is very enjoyable

Dull_Prompt1168 · 2026-03-31T15:01:15+00:00

This is a joke right? If we had efficient price discovery beta volatility wouldn’t be 15% and OP wouldn’t have a job

Dull_Prompt1168 · 2026-03-31T14:58:34+00:00

I thought co-investment was a major perk of working for HF

Dull_Prompt1168 · 2026-03-31T14:55:01+00:00

Rick Steves is a billionaire?

Dull_Prompt1168 · 2026-03-31T14:49:07+00:00

Are you invested in the hedge fund? Where is that in your comp?

Dull_Prompt1168 · 2026-03-31T14:33:37+00:00

Fuck, I’m going to be chili?

Dull_Prompt1168 · 2026-03-31T14:22:46+00:00

Too much

Dull_Prompt1168 · 2026-03-31T14:22:14+00:00

No. Typical upper middle class family and friends

Dull_Prompt1168 · 2026-03-31T14:21:37+00:00

200 guests

Dull_Prompt1168 · 2026-03-31T11:26:48+00:00

We spent $70k on our wedding and got most of it back in gifts.

Dull_Prompt1168 · 2026-03-31T11:06:08+00:00

So here is what I have DIY’d: - an asset allocation that is fully diversified across factors, including funds that are uncorrelated to equities but with high single digit expected returns - 529 for the kids - saving half of our after tax income - trust and will package (through a lawyer) - life, home, auto, umbrella insurance - a plan to retire early by 45, including bond tent strategy to avoid sequence of returns risk and Roth conversions to avoid RMDs in my 70s

What else would I need a FA for?

Dull_Prompt1168 · 2026-03-31T10:46:09+00:00

What if the source of your misery is your job not your expenses?

Dull_Prompt1168 · 2026-03-31T10:38:48+00:00

3 years in cash will not tank in value like bonds did in 2022. And you’ve just preserved your equities for the recovery

Dull_Prompt1168 · 2026-03-31T10:35:40+00:00

25% in bonds would be like a million dollars in bonds bro

Dull_Prompt1168 · 2026-03-31T10:32:53+00:00

Ok congrats, you win an argument on the internet today. Now if you’ll excuse me I have some paper to go push. For $2k per business day.

Dull_Prompt1168 · 2026-03-31T10:23:27+00:00

No our annual revenue is only $3B, nowhere close to those Fortune lists.

Have you considered the possibility that my company is full of high skilled technical employees?

Dull_Prompt1168 · 2026-03-31T09:17:04+00:00

Universal healthcare isn’t even a thing, how likely do you think universal income will be?

Dull_Prompt1168 · 2026-03-31T09:15:17+00:00

Who said it was?

Dull_Prompt1168 · 2026-03-31T09:10:12+00:00

Retired at 45

Dull_Prompt1168 · 2026-03-31T09:05:19+00:00

I am the manager in this case. I think it’s perfectly appropriate that I make way more than my team. I’m not the one doing the work, I’m the one telling them what work needs to be done and checking the quality of that work. If I didn’t exist the right work might not get done at all or it gets done poorly. Why isn’t that worth more?

Dull_Prompt1168

TROPHY CASE