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The Bond Ladder Strategy That Protects Early Retirement
In Episode 55 of The Financial Freedom Podcast, Lucas and Luna dive into the mechanics of a bond ladder—a strategy that can provide a predictable income floor during early retirement. They walk through how to build one using Treasury bonds, CDs, or corporate bonds, with a specific example using $500,000 and a 10-year ladder. Lucas explains the trade-offs between yield and liquidity, and the hosts debate whether individual bonds are better than bond ETFs for retirees. The conversation covers reinvestment risk, interest rate sensitivity, and how a bond ladder complements a stock portfolio. If…
The skinny
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