Week 38 Day 2: The Three-Bucket Retirement: Short, Medium, and Long

Instead of one pile of money, organize retirement savings into three buckets: 1-3 years of spending in cash (safety), 3-10 years in bonds (stability), and 10+ years in stocks (growth). This structure ...

Instead of one pile of money, organize retirement savings into three buckets: 1-3 years of spending in cash (safety), 3-10 years in bonds (stability), and 10+ years in stocks (growth). This structure prevents panic selling during crashes because your near-term spending is already safe.