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Well, I planned on always having two years of cash so, I'll have to sell a year's worth in 2018 to cover 2019 anyway. I'll go over a few specific scenarios and figure out what is best with the $6k income. It's invested in bond funds, mostly PIMCO and about 1/4 in a high yield fund. My sleep at night factor is 2 years.

The car is 0% financing. I verified that online today and confirmed that it will be paid off 4/2019. The house is 5.25% since it was non-owner occupied. If I move into it I don't know if it could be refinanced at a lower rate because I don't officially have an income.
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