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What an awesome video! Watched the whole thing and I am reading articles from his blog.

Thanks for the tips! I was looking at patterns and just making my own deductions, but I understand what you mean. I am not looking for the magic pill. I just want to build a portfolio that will help me reach FIRE before 50.

Thank you for the book recommendation! I will look for it. And yes, I am in my late 30s trying to build wealth fast and responsibly so I can reach FIRE before 50.

Thank you so much for sharing that site! This is pretty awesome! I was playing around with some numbers and allocations, comparing some portfolios. Portfolio 1 is loosely based off the Core 4 80/20 (with Tesla added and bonds taken out) Portfolio 2 is my own I put together. It looks like...

Wow, thanks for this! I noticed VTI is not part of this. Is there a reason why? I have seen more people doing dividend investments as of late, so I'm curious as to why this is a current trend, or is it just better over all?

I currently do fractional investing with Tesla, and I did some with a few other individual companies when I first got started. Also, I never got the option to do fractional investing with some of the Vanguard ones when I was first looking into this on the main Vanguard site. You had to buy an...

I looked up what the difference was between VT and VTI and found this site: https://www.askfinny.com/compare/VTI-vs-VT It seems VTI yields higher returns so I am wondering if VTI would be better for me instead of VT?

Haha, I hear you! Unfortunately, I don't have access to VTWAX, so I will need to find an alternate Vanguard one that does the same. I'm definitely trying to be as aggressive as I can with my investing right now, knowing the full risks. But as you said, I am in my accumulation phase. And btw, I...

Okay, thanks for explaining this! So I'm curious, would I be better off doing your method instead of the 80/20 Core Four method on Bogleheads? Also, why is it bad to invest in bonds while in my 30s? I was under the impression that I should cover every possible thing to help accumulate wealth...

I'm so confused by this process! @.@ Is this method explained on the Bogleheads website? I'm not sure when to know when a certain withholding exceeds a certain percentage.

It's a micro-investing app. Kind of like Robinhood, Acorns, and FirstTrade. I like using SoFi because it allows you to invest in fractional shares instead of spending more to buy the whole share. I may eventually move to a place like Vanguard if/when my portfolio value gets large enough, but for...

Thank you so much for this advice! Yes, I’ve always read about diversification and understood it to mean what I was currently doing with my allocations. I will definitely readjust accordingly

Thanks for the heads up! Yeah I wanted to start small so I can get the portfolio in order without dealing with the higher fees later on. Btw, I realized I DO have access to more Vanguard funds (see pics)

I like the Core Four 80/20 portfolio on Bogleheads (I've been really into REITs lately since I'm not one to do the full-on real estate stuff that I've seen a lot of people do). Would that be good to switch to for someone in their 30s trying to FIRE? The Vanguard Total Stock Market I have access...

I don't understand. How can you have too many holdings? I thought diversifying was key? Or do you mean I'm investing in more than one of the exact same holdings so it's redundant?

I'm not sure I understand what you mean. The only individual stock I invested in was Tesla. The rest are ETFs, index and mutual funds. Which index and bond fund did you invest in? The only Vanguard ones I have access to from the Bogleheads website is VTI and BND (which I'm already investing...

I am using SoFi Invest because I love that you can invest in fractional shares instead of buying a whole share in one lump sum. This has been very budget friendly for me, since I only have $100 per month (for now) to allocate. I would like to know if I am making the right choices with these...

As the title says, I was just wondering for someone with a high credit score, if 3.875% still the lowest possible mortgage rate you can get right now? I saw another poster in another thread mention this rate, which was the same as mine when I got my house a couple of years ago.

Thank you for this. This is great, and congratulations on reaching FIRE! :) I currently work in the tech industry, and don't make more than $70k/yr, so I guess I am in a similar financial situation as you were. I'm glad to know that this is possible. I've bought 1 cheap car about 7 years ago...

So (at least) $750k is the number I should be aiming for right now?

I don't understand this? How does lowering the year include 1966?? And why would I want to include this? I wasn't even born then. lol

Oh, I didn't see the other tabs. Thanks for the heads up! :)

I picked 60 years, because yeah, I don't expect to live that long, but I also want to be able to have as much of a cushion as I can to know that I will be financially secure all the way until I die. I have no kids or a spouse, so any leftover money I have when I die would most likely go to other...

So I plugged my numbers into FireCalc: Spending: $25,000 Portfolio: $750,000 Years: 60 I got 100%! But I'm trying to read this correctly. Does this mean if I have $750k in my portfolio and I continue to spend $25k or less each year, then I will be 100% financially independent for the next 60...

For those who are set to reach FI/RE in 2024, how long have you guys been working on this?