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What is the 3-Bucket Strategy for early retirement? How do I manage my money and live with zero income? In this 2025 portfolio review, I'm answering all these questions.: How much cash do you really need to retire? What is a "Tactical Reserve" and how do I use it? Should you include real estate? (Here's my 33% allocation) What happens after you "lose capital" or get scammed? What are my biggest portfolio mistakes (and how am I fixing them)? About the Host: Ravi Handa is an early retiree who has a lot of free time on his hands. He spends it talking about FIRE (Financial Independence, Retired Early) and making bad jokes on Twitter. 😄 📧 Email: [email protected] 🐦 Twitter: https://x.com/ravihanda 💼 LinkedIn: / ravihanda 📱 WhatsApp Group: https://chat.whatsapp.com/FV9GBuJSx8k... Check out my new website: https://www.handauncle.com Chapters: 0:00 - My 3-Bucket FIRE Strategy 0:34 - The 3-Bucket Theory Explained 1:19 - Portfolio With vs. Without Real Estate 4:00 - Full Asset Allocation (Why 33% Real Estate?) 5:25 - Bucket 1: The Cash Bucket (My $0 Salary) 7:45 - Bucket 2: The Tactical Reserve 11:47 - Confession: "I Actually Lost Capital" 13:30 - Bucket 3: The Medium Term Bucket 18:30 - The Long Term (Growth) Bucket 21:15 - My Portfolio's Biggest MISTAKES 23:39 - My Plan to Fix It