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Subject:  Re: Retire Early & 4% Withdrawal Date:  3/5/2021  4:17 PM
Author:  smilinJoe Number:  101529 of 103294

Keeping cash enough to cover my cost of living keeps me feeling better about market downturns. I know I don't need to sell to pay bills. Secondly, I have cash available in case of a market downturn so if I see a buying opportunity I can participate.

I may be wrong, but I feel safer with cash than CDs and bonds. I usually have about 10% cash for income/emergencies and 10% to purchase in bear market.
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