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IreneRose asks:

I'm sure that you've said it elsewhere, but just to remind me, how many years worth of withdrawals do you recommend be kept in bonds/CDs or other less volatile assets?

In Fooldom, we say money you know for sure you will spend in the next three to seven years should never be in the stock market. That's based on how long it has taken the market to recover in the last 50 years. How many years' income depends on the person. I personally favor five. Others like to cut it finer and make it three. Still others prefer the really Foolish conservative approach and make it seven.

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