Buy VT by May 20, 2026.

I’m 36, in accumulation, living in Europe with no capital gains tax but ~25/30% tax on dividends (they are taxed at income tax rates). Goal is FIRE in my early 40s. Current portfolio: 90% VT 10% Bitcoin (legacy position, planning to reduce to ~5% on the next run-up) I intentionally simplified. In the past, having multiple ETFs led me to constant tweaking, rebalancing, and second-guessing, which hurt consistency and probably returns. VT keeps me disciplined and focused on savings rate. …