portfolio charts does not go back far enough to even pick up on all the time frames that failed. the worst time frames to have retired are 1907 , 1929 , 1937 , 1965 and 1966 . we have not had anything as bad since 1966 the trinity and safe max go back to 1926 , firecalc goes back to 1871 so it picks...

no one actually spends like a robot so typically a safe withdrawal rate based on a certain percentage applies to our first year . there are many reasons why i would not use what’s called the constant dollar method of withdrawal which is what the 4% swr is based on , for a lot of reasons . personally...

i would argue 4.7% for a 30 year return is a draw rate , not a safe withdrawal rate since it has failed already to last enough times to achieve a 90% success rate based on what we already saw in america . it already failed to last 25 time frames for a mere 80% success rate while it doesn’t have gold...

i meant rate wise compared to cash investments falling .

there is a good chance you could see some capital gains too.

at this level of rates now i see more risk in equities than long term bonds .

when rates were so low long term bonds were not a good choice in my opinion but that’s different now

ibit is 2% of the portfolio.

i wouldn’t sit on more than not no matter whether i thought it was headed up or down .

its more like a tech stock then alternative now

correct , i bought them at EMS back then . it cost me 1k back then for the shell , the down liner , and the shell pants and fleece pants . everyone thought i was nuts . well i am still wearing it decades later .. been camping out in snow in tents and hunting in it for years one year it was so cold w...

These are the kinds of stories I find a lot more interesting these days than the general rate of inflation. There's this phenomenon that's starting to be named "luxury poverty" to describe a sort of inversion of the historical norm; now poor people can now afford the latest iPhone and a n...

what you have to understand is time and inflation can be the great equalizer . when i bought my first home it was 35k in suffolk county long island in the 1970s . that was an amazing amount of money to me back then and way more in cost than my rent was . well , today i don’t own that house but if i ...

big difference buying tlt today then when rates were in the 1% range . we are up near historical averages today not way below them like back then. we saw rates soar in 2022. i am not a fan of long term bonds but i can see tlt today with the fed more inclined to lower rates or hold them as opppsed to...

i can see a 50/20/20/10 for retirement

50% equities, 20% gold/bitcoin , maybe 16% gold 4% bitcoin , 20% split between vgsh and vtip and then 10% cash

the only issue with vtinx is , it’s a fund and not an etf .

competitive brokerages like fidelity may have transaction fees on it .

take your bull shit elsewhere if you don’t like what’s said

i wouldn’t waste my time replying to any of your comments any further

your a dick and i don’t converse with morons like you other than to say you are a dick

you bring nothing of value to this forum except harassment and insults

the dick in georgia is back .

why not take a hike and stay out of my conversations with your useless comments

no one needs your dumb ass comments. you really are a worthless contributor here and only serve to spew insults

the rate cuts raised inflation expectations for bonds with longer durations.

rates hit their highest in the last two weeks today on bonds

i had 20k miles .

plates are being transferred to new vehicle

well that’s if they are underfunded or invested to conservatively in their accumulation stage . look at compounded returns for even simple s&p funds over decades . i have been doing ira’s and 401ks since the 1980’s and i was never a high earner . i just did what i could . that retirement money g...

well millions of retirees are living off their portfolios so the proof is in the pudding

put a hold on this car and we are putting a deal together today 2025 rx 350 premium plus https://photos.smugmug.com/FAMILY/n-cK5Qp/LEXUS/i-s35q3BL/0/Kwvhz2WNbRJzKvnpnndbLS4MT9GNJMb8KWxRS4vRS/L/IMG_0355-L.jpg https://photos.smugmug.com/FAMILY/n-cK5Qp/LEXUS/i-gWxb5fW/0/MzdP7BtLqFrCdNqBjTSDvWBfsQj8cC7...

put a hold on this car and we are putting a deal together today

2025 rx 350 premium plus

a 2025 is 90k

i could buy a 2023 like i had for the 60k they gave me.

there are no more lexus rx500h available at this point , so i don’t mind. stepping back to a 2025 lexus rx350 premium plus . we got 60k for the 2023 totaled car so i have to add just 10k more for the new rx350 premium plus . a new rx500h like we had is over 90k so we will save a few bucks . the extr...

he claimed he didn’t see the light. when i first went over to him .

then he. told the cops he was confused and isn’t sure what happened .

but by then we had the video

thanks to all for the best wishes.