Summing up total bonds versus treasuries. The former gets you a bit more return for a bit more risk but has higher correlation with the stock market due to the corporate bond element. Treasuries are almost always risk off assets so they zig when stocks zag which is a nice feature. IIRC a US total b...

Maybe "your age in HBPP" is a good rule. A 20 yo would be 85% in equities An 65 yo would be about half in equities Hehe, this is quite a rabbit hole actually, and part of how I got here. I'm not a huge fan of arbitrary numbers or percentages. I think this is part of why I've struggled so ...

Well you all have certainly given me a lot to think about. I'm very glad I decided to post this, as this was exactly what I was hoping for, was some different angles to view this from. Because what I want to avoid is what @dualstow mentioned, jumping from one plan to the next. I'm trying to work out...

Fair points. For the PP / emergency fund part, I already have 3-4 months of expenses in cash which I think would cover all the normal run of the mill emergencies (car break downs, AC or heater takes a crap, etc). If one of those nuisance emergencies comes up, I would still be employed so I could tap...

Good points. In the grand scheme, my VP will be much larger than my PP. I'm mentally and physically separating the two from each other. I opened a completely new taxable account for my PP and my plan is to build it up to 60k (14-15 months expenses) in the next few months and just going to kind of or...

Hey everyone I'm new here and just wanted to get a quick sanity check of my strategy. Apologize for the long post, but I wanted to explain not just what I'm doing, but also why. So 2018 was a bit of a wake up call to me. I realized, like many people, that the risk I was taking was greater than my to...