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The Cash Runway Plan: Build It, Store It, Refill It
Build a cash runway for retirement so you’re not forced to sell stocks in a down market. Learn how many years you need, how to build it, where to hold it (HYSA, CDs, T-bills), and simple refill rules.
If you’re retiring early (or already retired), sequence-of-returns risk can wreck an otherwise solid plan. A cash runway is your “seatbelt” — it buys you time during bear markets so your investments can recover without you selling at the worst moment.
In this episode, I break down:
What a cash runway is (and what it is not)
How much runway to target (1–2 years vs 3–4 vs 4–5)
4 realistic ways to…
The skinny
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