No. of Recommendations: 10
The day after I retired, I came to the realization that my retirement savings included all of the money in my checking and savings accounts, money and securities in my investment accounts, and money and securities in my IRA accounts.

As long as my income from Social Security and other "guaranteed" sources of retirement income exceed my normal living expenses that include taxes, my retirement savings become, in essence, a large emergency fund. I fail to see how designating a portion of my retirement savings as an emergency fund will allow my retirement savings to last longer.
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