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@vaal Yes, but how many occupations start at age 29? OP is 35, and has been "only working for six years". It's just a wild guess on my part, though.

@jasonrporter0316 Are you a doctor? Things are a bit different for doctors due to the higher salary later in life (often with loads of debt), but 4% is definitely way too low, especially on a $170k income. With that income, you should be easily contributing up to the max ($22,500 in 2023, or...

@miriamc The long-term nominal return is actually ~10% annual, not 6.3%. In the long run, you're still right - it makes much more sense mathematically to be 100% stock than any other asset allocation. But life is not a mathematical model, and in actual practice, it is not feasible because...

@ramy6et It's a bad idea to expect this to significantly improve your returns; people do it for fun because they enjoy stock picking, but don't let it become a significant part of their portfolio. Market returns are heavily skewed - meaning that roughly 4% of all listed stocks account for 80% of...