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I put 25k into my investments this year, and I made 40k in unrealized gains, following the above strategy. It works folks.

My blog post about financial independence: http://mays.co/why-financial-independence/

I mean, it does work, but using a sample size of one single year isn't the best way to explain or prove it.

Yes, it works. I've been investing a minimum of $500/week for the past 8 years. Currently I'm investment $1000/week. I make good money and keep my expenses low, and now have more than 33x my yearly expenses in investment/savings. I'm planning on retiring early...

At 33x annual spending you can retire today.

That is already passed the 4% withdrawal rate (can take out 4% every year and never decrease the principle), which is 25x annual spending in savings/investments.


I am aware, but am overly conservative. I just turned 40 so have a few good working years left at least.

Nice blog, but watch out for advising people that putting money in index funds 'pretty much assumes an 8% return'. Returns can vary wildly year by year even if 7-9% annual is accurate over the last 20-30 years or so. Bogle (and others) is estimating the coming year's returns to be lower than 7.

Thanks! I've heard that comment a few times so I think I will make a quick edit. Appreciate it.

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