L H

Comments:

• I'd be interested to see your returns using the barbell method compared to simply using (VTI) Vanguard Total Market etf FYI : We are personally 50% (VTI) Vanguard Total Market etf , 25% (VT) Vanguard Total World ETF , 25% (VUG) Vanguard Growth etf For us it's about simplicity that we are comfortable with

  Post: A barbell strategy for stocks

  Link to comment from January 9, 2025

• Merry Christmas, Happy Hanukkah, & a safe New Year's to you, your family, and the entire HD family. Richard, thank you for your writings. I enjoy and look forward to each one. I am always challenged by your choices and views. I wish I we could sit down for an afternoon and chat. Please, keep writing

  Post: To all

  Link to comment from December 25, 2024

• When I do the simplified math : Property Tax + Property Insurance or Property Tax + Property Insurance + a Mortgage Payment. I'm thankful we chose the first choice over the second one going into retirement

  Post: A new glitch in retirement planning to consider

  Link to comment from December 25, 2024

• • I agree with your last line about the language use. I don't need it to share the same advice. Back to the owning or renting question. I'm not a details kind of guy, I'm a big picture keep it simple guy. My question is has anyone run the numbers to compare the overall cost of renting including hof, renters insurance, etc. for an entire lifetime versus the cost of buying a home, insurance, estimated maintenance, etc., the increased value of the home, and etc.

  Post: Forget You

  Link to comment from December 23, 2024

• Thank You

  Post: The Simple Life

  Link to comment from December 19, 2024

• This type of article is why HD is my "go to" website. I always enjoy insight from so many people and I believe this is one most of us agree upon. Though our situations and comfort percentages may be different the point is we have a plan and follow it. I actually retire tomorrow. Having two pensions and two SS incomes our comfort percentages are 100% stock index ETF's (50% Vanguard Total World, 25% Vanguard Total U.S., 25% Vanguard Growth)

  Post: The Simple Life

  Link to comment from December 19, 2024

• That I still enjoy it. As an FYI,I retired from my career in sales in 2010 at the age of 52 and took a part-time job as a teachers assistant ever since.

  Post: Pre-Retirement List

  Link to comment from December 15, 2024

• Your last line is exactly where I am right now. I retire on Friday. I am 67, I am fairly healthy, and I enjoy my job. But I have times when I say to myself "I've worked fifty years" and I want to enjoy the rest of my life. So I set a date a few months back but now I'm regretting my decision

  Post: Pre-Retirement List

  Link to comment from December 15, 2024

• A clear, common sense, easy to understand article. Most of these points are agreed upon by HD readers and should be shared with everyone

  Post: Sharing Lessons

  Link to comment from December 14, 2024

• I guess I'm to simple to understand your statement. Please explain it to me. We have two SS incomes and three pensions which meet 100% of our expenses. Our portfolio is 50% VT (Vanguard World ETF), 25% VTI (Vanguard All US), 25% VUG (Vanguard Growth) We are totally diversified and happy with it

  Post: Pick Your Peril

  Link to comment from December 7, 2024