Genuinely curious...Why is it that "most of us" it's not? Because you don't like in the US? Or you live in an area w/ limited tech jobs? Or is it that you belie

Genuinely curious...Why is it that "most of us" it's not? Because you don't like in the US? Or you live in an area w/ limited tech jobs? Or is it that you believe that all 3 criteria is unattainable? 8%...how is that over 30 years unrealistic? That is the historical going rate for the S&P since its inception... Also I don't know why you threw in the words "post tax" as if it means something for dollar cost averaging. If you dollar cost average the S&P...even in a taxable brokerage account...the only thing you're taxed on is dividends. Your gains compound tax free....If you throw it in a 401k, where the max individual contribution is $19500 then nothing is taxed till you withdraw. My example of $20k is drawn from a max of $19500 contribution (and hopefully you get employer matching) because ideally you are maxing out a 401k to get the tax benefits.