A US total-market fund, an international fund, and a bond fund — I run roughly 60/30/10, rebalance once a year, and otherwise leave it alone. Low fees, no stock picking.
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Good stuff. The one thing I'd flag for newcomers is that the first month feels like nothing's happening, and that's exactly when people bail. How did you stay convinced before you had results to point to?
Okay this genuinely reframed how I've been thinking about it. I was optimizing the wrong end the whole time. Out of curiosity, what finally made it click for you?
Adding a data point: I've run this for two years and it's held up through a job change and a move, which is the real test. The trick was making it small enough that it never felt optional. How small did you start?
Adding for anyone reading: start smaller than feels reasonable. The momentum matters way more than the size of the first step.
The silence-after-stating-your-position move is so real and so uncomfortable. Worked for me too, terrifying every time though.