"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. That's a lot of money given that we both have fairly secure jobs. But, that helps her sleep at night and other than that she has no opinions on retirement savings & strategies. The upside is that she's scottish and very frugal, so what more can I ask for !!!!I keep thinking that I want to come up with one strategy and stick with it but I am realizing that that isn't going to happen. If interest rates take off like they did in the Carter years I'm sure I will change my tune about bonds. I guess the best thing I can do is be educated and flexible so that I can change with the environment.Well, if I ever come up with a plan to move money into the CDs I'll post it.-helen
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