sdcellar, how can your BS detector be taking off when it’s already in the stratosphere? All I can say is, like most people, I’m quite disappointed in my investment performance over the last 5 years. I feel the market will yield >4% return yearly for the next 15 years, that’s why I’m still in equity. Since you talk a great game about investment, what do you think is a reasonable expectation of ROI in equity for the next 15 years? Once you tell us what your expectation is for ROI over the next 15 years, then we can leave the investment part of this conversation alone for the next 15 years. After 15 years, if this site is still around, we can return to this portion of the conversation and see who’s right.

Yes, I drive a 92 Lexus and love Souplantation.

BTW, there seem to be quite a few people on this site who have no problem saving 30%+ of their net income. I guess according to you, a lot of Piggs are atypical huh?