Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Cut Sequence Risk With a 3-Bucket Strategy
Lucas and Luna explore the three-bucket portfolio strategy for early retirement, breaking down how a cash buffer, bond ladder, and growth portfolio work together to cut sequence-of-returns risk. Using a real-world example of a retiree with $1.2 million, they walk through how to size each bucket, when to refill them, and why this approach has historically survived 30-year retirements even through 1973 and 2008. No theoretical fluff — just a practical framework for managing market volatility without panic-selling.
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The skinny
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