Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Build a Bond Ladder for Early Retirement Income
In this episode, Lucas and Luna dive into the mechanics of bond laddering for early retirees. They explain how to build a portfolio of individual bonds with staggered maturities to generate predictable income while preserving principal. Using a concrete example of a $500,000 bond ladder with maturities from 1 to 10 years, they walk through the math of coupon payments, reinvestment risk, and how to adjust for rising or falling interest rates. They also discuss the tax implications of holding bonds in taxable vs. tax-advantaged accounts, and how a bond ladder can pair with a stock portfolio to…
The skinny
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