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Subject:  Re: 8 years till ER Date:  10/11/2004  6:36 PM
Author:  hjg0989 Number:  2665 of 5088

"I'm all for laddered CDs. I'm just not there, yet. I'll move into that phase once DW and I get down to the wire. Right now we have several sources for funds in case of an emergency so the CD ladder doesn't make a much sense to us."

So will you have bonds and laddered CDs once you hit retirement ?

I really agree with you on the emergency funds and CDs. My partner likes the safety of cash and CDs. So, we have 12k in a CD plus about 15k in savings accounts