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But treat it as a foundational text , not a final manual.

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Low-cost index funds (VTSAX, VTI, VT). He avoids stock picking. Add bonds later. In 2026, consider adding TIPS or a small crypto allocation (1–5%) if you’re aggressive. But treat it as a foundational text , not a final manual

: Using this withdrawal rate to determine your "FI number" for retirement planning. financial freedom by grant sabatier pdf upd