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    Tuesday, February 5, 2019

    Financial Independence Congrats to the sub on hitting 500k subscribers! And a thank you to the mods...

    Financial Independence Congrats to the sub on hitting 500k subscribers! And a thank you to the mods...


    Congrats to the sub on hitting 500k subscribers! And a thank you to the mods...

    Posted: 05 Feb 2019 03:53 AM PST

    Why is it every FIRE plan consists of growing savings vs growing passive income through things like Real Estate?

    Posted: 04 Feb 2019 08:24 PM PST

    I've noticed most posts in this thread are focused on net worth and total amount in savings vs passive income coming in.

    I ask this for honest feedback based on my current strategy and plan.

    I live in a HCOL area but just recently invested $40k into a multi family property that's generating roughly $1,500 a month in passive income not to mention a mortgage that's being paid off by my tenants and a property that increases in value yearly.

    I'm so hooked on this strategy I can really only think about doing this over and over again until I have enough passive income to have financial independence.

    I'm definitely maxing out my 401k every year and trying to save some money it just seems like building a portfolio of multi family properties that generate real passive income is so much more valuable to me than trying to save money.

    Anyone else get as excited as I do about building passive income to get to financial independence?

    submitted by /u/numen-lumen
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    Any FIRE feasibility studies using portfolios with non-US stocks?

    Posted: 05 Feb 2019 09:25 AM PST

    All the studies I've seen, including ERN's Ultimate Guide to Safe Withdrawal Rates, use only US equities - typically S&P 500 or similar index - in their simulations.

    This could be a problem because holding your entire equity portfolio exclusively in US stock is inadvisable, especially nowadays when most analysts expect ex-US equity to outperform US equity over the coming years. Even a conservative investment manager like Vanguard recently recommended holding at least 40% foreign stock. Personally, half my equity holdings are non-US, and reading the FAQ and the posts here, it seems many in this community hold portfolios which allocate a significant equity portion to non-US stocks, e.g. the popular Three-Fund portfolio.

    So my question is, how applicable are early retirement studies, which all seem to be using US equities exclusively, to many of us here who have 40% or more of our equity holdings in non-US stocks?

    submitted by /u/CautiousInvestor
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    Daily FI discussion thread - February 05, 2019

    Posted: 05 Feb 2019 03:07 AM PST

    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply!

    Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked.

    Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts.

    submitted by /u/AutoModerator
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    What are your post-FI/RE aspirations/plans?

    Posted: 05 Feb 2019 10:43 AM PST

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