What do you think you’d need for each category for LCOL, MCOL, HCOL?
When doing the 4% rule, are you counting your house being paid off? When they said the 4% rule is that counting expenses as in necessities or all spending needed?
How much are you shooting for?
Here is a simple trick I do to add 5 lbs to machines that skip in increments of 20 lbs. These weights can be found by cable machines usually where the lat pulldown or seated row is. Add these to the top of the weight stack and move the dial to 5lbs.
Background: Age 34. 115k in 401k which is a target date fund just to be conservative with that and thats maxed out. Roth IRS 70/30 FSKAX/FTIHX and maxed out. Now I am onto brokerage. Is there anything I should be adding or changing from what I've been doing. I am considering investing in SCHG and maybe 70/20/10 with 20 being SCHG. I know FSKAX is the entire market and FTIHX is international, but is there any suggestions? Brokerage will add another $300 a week or so into