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I don't understand the reason to have 5 years of expenses covered in money market and bonds. I was under the assumption that I could use dollar cost averaging to remove funds from retirement accounts the same way that dollor cost averaging was used to put money into the accounts. Unless shown that this is a bad idea I was planning on moving funds on a quarterly basis from equity to money market. Isn't keeping 5 years of funds out of the market for the past 5 years pretty painfull when you look at the bull market over the last five years? I also feel that trying to move money only when the market is up is trying to time the market (a real WISE move).

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