How Much Cash Is Too Much in Retirement скачать в хорошем качестве

How Much Cash Is Too Much in Retirement

A retired couple lost $180,000 in purchasing power over ten years — not from bad investments, but from keeping too much money in cash. They thought they were being safe. But that "safe" money was quietly bleeding value every single year. In this video, we break down: → Why cash isn't as safe as it feels → The real math behind inflation drag → How much cash you actually need in retirement → Three scenarios: cash hoarder vs. balanced vs. bucket strategy → The 12-24 month rule for emergency funds → When keeping cash costs more than market risk No opinions. Just the math. ⏱️ Timestamps: 0:00 - The $180,000 invisible loss 1:05 - The cash safety misconception 1:58 - Real inflation math 3:04 - Three scenarios compared 4:38 - The real job of Cash$ 5:44 - The 24 -- Month Rule 📚 Resources: Bureau of Labor Statistics - CPI Calculator: https://www.bls.gov/data/inflation_ca... Morningstar - Bucket Approach: https://www.morningstar.com/articles/... Kitces - Sequence of Returns Risk: https://www.kitces.com/sequence-of-re... This is video 17 of our Retirement Planning Fundamentals series — foundational knowledge for Americans planning retirement. (17/20) 📌 About This Series: This video is part of our Foundations Series (Videos 1-20) — covering the essential concepts every retiree needs to understand first. Coming in Series 2: Deep dives into Social Security optimization, Medicare strategies, advanced tax tactics like Backdoor Roth and QCDs, withdrawal sequencing, and estate planning mechanics. Same math-first approach, next-level strategies. Stay tuned. #RetirementPlanning #CashAllocation #InflationRisk #RetirementIncome #MoneyMechanics