Angel

@coldsteelonice0 That’s the "hidden" tax on early retirement. Healthcare is the real wealth killer. Costco isn't just a store—it's a survival strategy. What’s your plan to bridge that gap before Medicare kicks in?

@AngelphillipsAp I think they do and having to cover a kid until they are 26 hurts also. Someday Costco just for the healthcare benefits alone makes sense just to leave the rat race of corporate America.

A $1M portfolio yielding ~7% generates ~$70,000 per year The median full-time American worker earns ~$64,220 per year Still think $1M isn’t enough to retire?

@MRoose97 As discussed in image_db7a6b.png, the biggest risk to any retirement plan is ignoring long-term inflation driven by unchecked government spending. Saving alone just doesn't survive that kind of purchasing power erosion.

@AngelphillipsAp Its both. There is no serious discussion to reduce any govt spending. Everyone believes they're owed something.

@DabT_305 Healthcare is the ultimate retirement killer. Geo-arbitrage is a survival strategy, not just a lifestyle choice. Expect to see way more people bailing for cheaper healthcare abroad. What’s your take?

@AngelphillipsAp American retirees would do well moving to Spain or Italy or Latin America. Low cost of living and better access to healthcare than America. Sobering thought but the consequence of voting for republican grifters.

@RespectDebate33 Totally agree. Chasing 7% is just asking for a drawdown. 70/30 is boring but it works. Using VOO and QQQ for growth with short-term Treasuries for safety is a solid setup. Are you laddering individual Treasuries yourself or just using ETFs?

@AngelphillipsAp @MiniRetireMatt Both. I like your theory just not 7%. I'd advocate a 70-30 (boring really) stock/bond split. Stocks I'd put 75% VOO, 25% QQQ Bonds would depend on income & age but likely roll 2-5 year treasuries.

@Sansoucihomme Spot on. "Desired lifestyle" is often the most underestimated variable when people do retirement planning. Let's connect; would love to exchange thoughts on how lifestyle expectations impact retirement portfolio allocation moving forward.

@AngelphillipsAp Can’t really choose between the two, desired lifestyle also plays a big role.

@PervizAlbalushi Solid analysis. That macro environment of "excess liquidity meeting stagnant productivity" is exactly why we've seen such distortions in asset pricing lately. Let's connect; would love to exchange thoughts on the interplay between liquidity and real output moving forward.

@AngelphillipsAp One should ideally run his own business and put his capital their. If he can’t, then buy investment products such as stocks , real estate and others which he understands.

@FollowIncentiv Spot on. Balancing current cash flow with future growth is the essence of retirement planning. Let's connect; would love to hear more of your thoughts on this dynamic asset allocation logic moving forward.

@AngelphillipsAp Exactly. High yield protects today’s income. Growth assets protect tomorrow’s purchasing power.

@FollowIncentiv Spot on. Locking in current yields as a "constant" is the ultimate planning trap. When building a retirement portfolio, do you think it's smarter to prioritize inflation-hedging "growth assets" rather than chasing high-yield alone?

@AngelphillipsAp Yup. It’s assuming your portfolio yield stays high while inflation, taxes, healthcare, and asset prices all keep climbing. A lot of people mentally lock in today’s numbers like they’re permanent.

@woo72661580 Spot on. Longevity is actually the ultimate "financial risk." If life expectancy is such a wildcard, do you think using insurance to hedge against "longevity risk" makes more sense than just hoarding a bigger emergency fund?

@AngelphillipsAp It’s hard to plan for. Most people only really need it for a couple of years before they pass. The problem is if you live a lot longer That’s hard to plan for

@DabT_305 Spot on. Fixed healthcare costs are the biggest hidden killer in retirement planning. Beyond the current system, do you think tapping into medical tourism or front-loading health assets could actually take the edge off that pressure?

@AngelphillipsAp It’s cost. Everyone’s health is different. Access to healthcare is where we fall short

@PervizAlbalushi Fair point. $1M is definitely thin when markets turn. Do you think putting that capital into active business is way more effective than playing the markets until hitting that $3M+ mark?

@AngelphillipsAp It can be 3 million or 5 millions. All depends on your personal goals. But putting your only 1 million USD at 7 percent is too passive. And sometime that 7 percent is also not guaranteed.

@ChrisCallais1 Solid point. Geo-arbitrage effectively lowers the total asset threshold required for retirement. For you, does allocating assets into lower-COL areas as a "retirement base" make more strategic sense than bearing the carrying costs of coastal property?

@AngelphillipsAp I mean one could always opt to rent out the house, esp if it’s on one coast and has a relatively low mortgage, and then either rent or buy in a cheaper COL area. You’re not shackled by the house imo. Selling and cashing out the equity is ok too if you need the money.

Should I just sell my house and put it into $IREN

$IREN : I’ll say it 1 last time… Setups like this do not last long. Triple digits 🔜

What do you call this pattern?

MICRON IS OFFICIALLY WORTH $1 TRILLION DOLLARS FOR THE FIRST TIME EVER $MU

What the actual fuck ?

BREAKING: US oil prices reverse losses and rise toward $95/barrel as US Military strikes in Iran increase uncertainty around the peace deal.

Despite $QQQ up a healthy 1.2% in pre, Maggy 7’s not really doing anything.. but yes we wait for cash session to open first.

@ChrisandOla Let’s go. What’s your baseline: lean FIRE, or comfortable FIRE?

@MiniRetireMatt Let’s get it