No. of Recommendations: 3
Can you elaborate on what a "bridge the gap" account is supposed to do? I am not familiar with that concept.

You can't touch retirement accounts without incurring a penality until you reach a certain age.

This is rather bad, so you put money in a regular account and live on that until you can touch your retirement money.

Adrienne and I are trying to build an account like that, or vaguely like that. I have a three tiered investing stradegy.
1) retirement - Safe
2) Oh Crap Cushion/bridge - Safe
3) Surplus - Risky

You can't tap 1) and it is often unwise to tap 3), but if the engine falls out of the car or the water heater goes boom I'd rather tap 2) then incur credit card debt. It's not a splurge account however and we talk about touching it. Adrienne is rather tight with money so there is a good lock on it.

Now 3), well, I can loose 3) and not impact any of my retirement goals. It's money that I'm not counting on. Because of this I can be agressive and yet unemotional with it. If Jobs and Ives get killed in a car wreck tomorrow, I don't have to eat ramen noodles because of what happened to my aapl shares. I just have a "Man that sucks" look on it.

I will, however, take money from 3) and slip it in 2) or 1) to advance my retirement goals. Then I rework my timeline assuming that this will never happen again. I do not under any circumstances put money from 1) or 2) into 3). Sure, if I had done so when aapl was split adjusted $7 a share and I just "knew" it was a great stock I would be retired now, but the next time I "know" I may find out that I can never retire.

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