Build a moat.
Seriously.
A moat of cash in MMF, CD's, high yield savings and short term treasuries!
Prepare for a home purchase, other unexpected expense or, if SHTF like job loss, that too.
Prepare like it's 1928-1929.
After you have done that, you can recalibrate the extra cash to equities, etc.
FWIW, I have a MOAT for an adverse multiyear event in addition to equities and bonds.
If nothing else, it gives you 'breathing room' to ponder early retirement or going part-time.
Seriously.
A moat of cash in MMF, CD's, high yield savings and short term treasuries!
Prepare for a home purchase, other unexpected expense or, if SHTF like job loss, that too.
Prepare like it's 1928-1929.
After you have done that, you can recalibrate the extra cash to equities, etc.
FWIW, I have a MOAT for an adverse multiyear event in addition to equities and bonds.
If nothing else, it gives you 'breathing room' to ponder early retirement or going part-time.
Statistics: Posted by Swampy — Mon Mar 10, 2025 4:36 am — Replies 4 — Views 660