Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Laddered CD Strategy That Protects Your Early Retirement
Lucas and Luna break down a bond ladder strategy specifically designed for early retirees who need predictable income without selling stocks in a downturn. Using a concrete example from a listener's portfolio, they explain how building a five-year ladder of CDs and Treasuries can replace a cash buffer and reduce sequence-of-returns risk. They walk through the mechanics of a $100,000 ladder, the tax implications, and why 2026's inverted yield curve actually makes this play more attractive than the classic three-fund portfolio approach. The episode also covers how to reinvest maturing…
The skinny
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