>tfw maxing Roth IRA via backdoor
>tfw maxing pre-tax 401k
>tfw maxing HSA
>tfw maxing post-tax 401k
>tfw mega-backdooring post-tax 401k into Roth 401k
>>60859243
>he uses divvies for income
ngmi, invest for growth, borrow from your (taxable) positions via securities backed lending to invest in multifamily or commercial real estate, use the real estate income to generate income uncorrelated from the market, write off the interest you pay on the loan from said income
>>60859492
>average yearly S&P 500 return is 10% since its inception
>average yearly inflation in the same period is 3.5-4%
anon what the fuck are you talking about