How much cash to hold near retirement

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Bond ladders, bond funds, money markets—if those words have you second‑guessing your plan, this episode will clear the fog. Inspired by questions from my Perfect Portfolio book‑updates list, I explain why many "bond" debates are actually cash management problems in disguise—and how to build a simple system that helps you stay disciplined when markets get ugly.

Listen now and learn:

► How to tell—quickly—whether you're making a portfolio decision or a cash decision

► The "comfort trade" most investors accept with bond ladders (often without realizing it)

► A simple bucket framework for protecting near‑term spending without over‑hoarding cash

► The one practical maintenance habit that keeps your plan from falling apart during downturns

Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

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