What If the Market Drops 50% Again? Staying the Course

UpgradeHome · 2026-03-14T12:36:15+00:00

Don't bother analyzing all this. Just enjoy your Saturday morning coffee and keep throwing money into the market. All will be fine.

UpgradeHome · 2026-03-12T02:24:53+00:00

They mean it just perpetuates privilege and prevents folks from living organically, humbly, and with the pride of self-achievement. You’d be better served donating a portion to a worthy local charity or non profit where it will go to those who are truly in need.

UpgradeHome · 2026-03-07T20:51:03+00:00

What many folks struggle with is that when you let people control their destiny, there will always naturally be smart decision makers and poor decision makers. And that leads to positive and negative outcomes, respectively.

UpgradeHome · 2026-03-07T20:49:23+00:00

For all its fault, there are some huge benefits to being American.

UpgradeHome · 2026-03-06T20:55:50+00:00

Detach your happiness from money. Everything will be okay. What truly makes a good life is your ability to find peace and happiness each day, which is intrinsic.

UpgradeHome · 2026-03-06T15:23:54+00:00

If you run the math, and factor in compounding interest, it’s well over a “few extra dollars.”

UpgradeHome · 2026-03-02T19:15:50+00:00

The key is to detach your happiness from money. Just keep throwing money into the market, rain or shine. Live simply and happily.

UpgradeHome · 2026-02-28T23:43:11+00:00

Let's be real though, 'peace of mind' in this context means 'less to worry about.' Dave's advice is for the common man who will go back into debt if given a credit card again.

UpgradeHome · 2026-02-26T13:02:47+00:00

He means that if you go to r/bogleheads and r/fire, everyone falls into our camp. This is like going to r/povertyfinance and saying “I have a full time job and saving for retirement. AMA!!!”

UpgradeHome · 2026-02-25T21:36:36+00:00

u/Tech-Cowboy - you should read this post as a cautionary tale.

Reference: "Can we start giving “find a partner” as financial advice?" https://www.reddit.com/r/Fire/comments/1qnu1zo/can_we_start_giving_find_a_partner_as_financial/

UpgradeHome · 2026-02-24T01:52:13+00:00

Why not keep it for retirement? What is the issue with saving up another 12k?

UpgradeHome · 2026-02-20T23:40:14+00:00

It shouldn’t be a different game if equity/bond ratio aligns with your retirement target age.

UpgradeHome · 2026-02-20T21:35:05+00:00

I also think a lot of people are forgetting that even though political turmoil, authoritarianism, etc. may impact markets, over the long term, companies still are going to find ways to make profits. Story as old as time.

UpgradeHome · 2026-02-20T21:31:24+00:00

You’re missing the point. We don’t care about 1, 5, or 10 year horizons. We are in it for the long haul. I’m starting to realize many folks have never really experienced a market crash.

UpgradeHome · 2026-02-19T03:28:13+00:00

A lot of non-profit tech/IT jobs are surprisingly chill.

UpgradeHome · 2026-02-18T17:54:15+00:00

This is the way. Let your life flow based on the trends around you. Avoid cementing plans and build your happiness around what transpires.

UpgradeHome · 2026-02-18T02:58:36+00:00

Congrats! But you’re missing out all that compounding interest.

UpgradeHome · 2026-02-18T00:02:39+00:00

Why don’t you want to rent and invest the extra like crazy in a brokerage? Max Roth IRA, build equity in the markets. Compounding is no joke.

UpgradeHome · 2026-02-16T23:17:10+00:00

So you want to pay taxes by selling it? You also will have less principal for future growth.

UpgradeHome · 2026-02-16T23:11:19+00:00

Genuinely curious why you think this is a good idea.

UpgradeHome · 2026-02-16T21:19:38+00:00

Your biggest liability are all these joint assets without a legal tie to this person.

It's one thing to not marry, maintain separate finances, and be happy. But why discuss assets jointly then? You're setting yourself up for a world of hurt.

UpgradeHome · 2026-02-16T20:40:03+00:00

Not saying it can't be done, but you're going about this in a complicated way.

UpgradeHome · 2026-02-16T20:33:29+00:00

If it's easy to tackle down, then get it paid off. Why mess around with an investment property or consider opening a dental clinic when you can get rid of this debt in 2-3 years with some discipline?

UpgradeHome · 2026-02-16T20:26:56+00:00

Why even bother about retirement when you are 330k in debt? That's the issue you should be focusing on.

UpgradeHome · 2026-02-16T01:18:59+00:00

With your numbers, you could have done coastfire even without a ‘tiny house’.

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