How I Protect My Retirement When the Market Crashes

Retiring early isn’t only about how much money you have saved. It is also about where your spending money will come from when the stock market falls. _________________________________________________________________________________________ 📊 PLAN YOUR RETIREMENT WITH BOLDIN I use Boldin to model retirement scenarios, spending, taxes, and other long-term financial decisions. If you want to build and test your own retirement plan, you can check it out here: https://go.boldin.com/scottunlocked Disclosure: This is an affiliate link. If you purchase a paid Boldin plan through my link, I may earn a commission at no additional cost to you. _________________________________________________________________________________________ In this video, I explain the three-bucket retirement strategy my wife and I use after I retired at 54. Our goal is to avoid being forced to sell stock investments during a major market downturn. Our retirement bucket system includes: • Approximately two years of expenses in cash • Approximately four years of expenses in bonds and more stable investments • The remainder invested for long-term growth I also explain sequence-of-returns risk, how we would replenish our cash bucket during normal markets, what we would do differently during a down market, and how holding cash gives us added flexibility when managing taxable income, healthcare costs and MAGI. This system cannot stop the market from falling. Its purpose is to keep a falling market from immediately controlling our spending decisions. Do you currently use a bucket strategy—or are you considering one for retirement? Share your approach in the comments. WATCH NEXT: How I Retired at 54 Using the Rule of 55 https://www.youtube.com/watch?v=-_q5Q1SeVDA How I’m Covering Health Insurance Before Medicare After Retiring at 54 https://www.youtube.com/watch?v=G3I_3XBgfCw Visit the Scott Unclocked channel: https://www.youtube.com/@scottunclocked TIMESTAMPS: 0:00 The biggest risk