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How Early Retirees Use Treasury Ladders for Predictable Income
Lucas and Luna explore how early retirees can build a Treasury bill or note ladder to generate predictable, low-risk cash flow during the first years of retirement. They break down a specific example: a retiree with a $500,000 fixed-income allocation who creates a five-year ladder of 2-year and 5-year Treasury notes, earning roughly 4.5% yield as of mid-2026 while matching expenses to maturities. The episode covers ladder mechanics, reinvestment risk, and how this strategy pairs with a rising equity glidepath to reduce sequence-of-returns risk. Lucas explains why Treasury ladders beat bond…
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