GrapevineTigah

Sounds like you're doing great! Congrats! Index funds are the way to go. Since you're young this may not matter as much, but roughly 35% of each of VOO, VTSAX, and BEQGX are in NVDA, AVGO, GOOG/L, AMZN, APPL, MSFT, and META. So, the historical diversification of such funds is up to debate.

Fidelity shows a 7.24% return for the life of FFFEX, with higher recent returns. The question should (for retirement planning purposes) be what are the expectations moving forward? I wouldn't expect to match that return (in a target fund or otherwise) as the last 10 years have been historically good for the stock market.

My math and assumptions need to be checked, but I would think about it like this: 30k now or 12k a year in 25 years? I use the 4% assumption quite a lot, ignoring the current lower interest rate bias to address the hypothetical question. That means you'll have $1200 of income (4% of 30k) now vs $12000 income (1k a month) in 25 years. So another way of phrasing the question is would you think an IRA could be used to grow that 30k by ten times in 25 years? Many projections show SP500 growth of 5 to 7% over the next 10 years. So assuming 6% growth your 30k would double every 12 years (rule of 72). In 24 years at the same rate your 30k invested in the SP500 in an IRA would be a little over $120k. That would only earn you $4800 a year in income. I'd go with the state retirement plan if the 1k a month in 25 years is real. :cheers:

He knows that when he goes folks will sell shares. Then BRK can buy it back cheaply and they'll have lots of cash on hand. They'll also be able to be "greedy when there's blood in the streets". I think that was one of his quotes.

First, I feel for you. This happens to me. Less often now that I'm retired but it happens. As you can see from the responses to this thread there are many variables. Here's what seems to impact me -
Eat several hours before going to bed ( explains old folks eating at 4:30 or 5 pm at restaurants). Avoid high fat or high salt foods.
Get sunlight for several hours during the day - I retired this year. Until then this was difficult.
Control allergies.
Stay hydrated but don't drink a bunch of water before bedtime.
Avoid alcohol. Going to sleep after a drink was no problem, but staying asleep was an issue.
Exercise helps (outside - see the sunlight thing above) - cycling, walking, working in the yard, etc.
I discovered I can sometimes make coffee at 3, drink a few cups, eat something light (like a banana), pee, and fall asleep on the couch for an hour or two.

Owned it 9 years. It's up 280+%. Buffett's approach means it won't chase large market upturns, it won't drop anywhere near as much when the market tanks, and it will rise when the market recognizes it is making profits. It sometimes zigs when the market zags.

We have some complete emotional imbeciles on here.

When things get rough for a game or three, it's always the same:
Fire the coach:
Help Mac Pack
UHaul Stovall
Less Miles
O must Go
Hell, this crew wanted to get rid of Saban after the loss to Miami of Ohio.

Fire the AD is not even an original thought and makes even less sense.

It's like Brazilian Soccer. If the team doesn't win with flair, it doesn't count.

:wah:

Saban said this fanbase has catastrophe syndrome. It obviously still does. So nothing has changed.

It appears you didn't experience the crash of 2000.

I'm a cyclist. I typically do 150 or so miles a week, most of it early Saturday morning. I've been doing that for over twenty years. There are indeed a bunch of cyclists that do inappropriate things.
I would include riding many miles on a busy two lane road with no shoulders or bike lanes as inappropriate. That disqualifies a lot of roads in South Louisiana. To knock all of us because of the actions of a few is a problem for the those of us that try to behave, stay far to the right, obey the laws, and make better decisions about where/when to ride. Irrational anger towards all cyclists is just another one of the "isms". And for those that don't understood the outfit, part of it is so you see us. When done right, it's a great sport for good health.