Latest / Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Retirement Cash Reserves in 2026: How Much Is Enough?
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How much cash should you really hold in retirement?
Too little cash can create stress and force poor decisions during market downturns. Too much cash can quietly erode a well-built retirement plan through inflation, taxes, and lost growth.
In this episode, Tyler Emrick, CFA®, CFP®, breaks down how to think about retirement cash reserves in 2026, including:
How much cash is actually enough in retirement — and when it becomes too much
How interest rates change the cash trade-off in 2026…
The skinny
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