I’ve been diligently working, saving and contributing towards financial freedom and early retirement, but the economy so far since the pandemic has eaten away most of my portfolio, what I want to know is this: Do I keep contributing to my portfolio in these unstable markets or do I look into alternative sectors.

Rob, can you please do some videos for folks 55 and older who do not have enough saved in their retirement accounts to be able to retire. I have very little in bonds because I want growth, to try to make up for lost time.

I wish the big players had a rebalance button like M1!

Thank God I rely on dividends goes right to my checking account. Don’t have to worry about selling shares.

Greetings Rob and as so many others have said before me, thank you for your great content! I've been binging your vids and articles for the last few days, and I feel grateful to have found you. Thanks in part to your videos and writings, I've recently decided to cut our ties with 25+ years of financial advisors, managers & fees . It was something I Ielt I should have done 24 years ago, but my discomfort was too high, and my knowledge level was too low. Finding you helped change that. Your book, articles and videos help validate today's decision and are simplifying the process for tomorrow. I must admit that having life decisions informed by some guy from KZread feels a little off. But at the same time, and after many years of trusting that my financial advisors had my best interests at heart, I realized that choice was even worse. Thanks again for what you contribute and lighting a fire in me to take more control of our financial future.

Just spend the growth

I want to retire but it seems like every few months a large bill comes along - usually related to health, car, home or travel. Also if I sell my townhouse I would have to pay a lot more in rent to stay in my area. As a single person I really don’t want to move to some low-cost area away from my children and friends. My ideal retirement is not sitting alone in an apartment in some backwards town in America where everyone has the opposite political views that I have and don’t like the same things I like. So I chose to work until I’m 65 - but there’s longevity in my family, with most people living into their 90s and being very healthy well into their 80s.

If your portfolio pays enough dividends to live on, say 4% annually, then why not just have all the dividends be deposited in your core account (like SPAXX at fidelity) and withdraw those as needed?

If your portfolio pays enough dividends to live on, say 4% annually, then why not just have all the dividends be deposited in your core account (like SPAXX at fidelity) and withdraw those as needed?

One thing I would like to add that if you have capital loss in any of the fund, rebalancing is not easy, even in case of nontaxable account. Because wash sell rules apply to your entire portfolio. Once you sell any capital loss fund, you cannot buy it again immediately.

Perfect! What know one talks about, but what people really need to know. Thanks!

Timely and helpful, Rob. Thanks!

Again, thank you for the explanation! I was searching for this exact content, I have no idea why I didn’t come to your site first…I’m over-tired from travel is my reasoning!

Thanks for putting this video together.

Thank you! this is very important information!

Rob is the GOAT!!!!!! Amazing work

Great advice. Makes sense.

Ah great this was a specific question of mine! Thank you this makes sense.

Great information

Hey Rob, I love the rebalancing/percentage concept you describe at