Just ran the math on 8 years of bad asset location. About 35k in the wrong pockets.

51M been reading bogleheads for a decade and thought I had this figured out. Had BND in the taxable brokerage cuz I liked seeing interest hit checking, meanwhile VTI in the 401k. Ran the numbers last weekend for real.

Over 8 years the tax drag came out to about 28k in extra taxes I actually paid, plus opportunity cost of 6 or 7k more if the money had grown in the right spot. Total damage around 35 grand.

Wiki has been saying this for years, I just never did the math until now. Kinda feel like the guy who finally reads the manual after breaking the appliance.

anyone else calculated their actual damage recently? My wife walked in Saturday morning and saw me with three spreadsheets open and asked if I was ok