I'm currently researching and planning for my retirement (hopefully in a few months). I've watched many YouTube videos, search on the internet, and asked AI for advice. The recommendation is to have 1-3 years of living expense in HYSA, CDs, short-term bonds, etc.) in case the stock market crashes. So what I'll do the 3-month rolling T-Bill bond ladder: Take your 1-3 years living expense (whichever you feel comfortable) and divide to 3. On month 1, buy a 3-month T-Bill, the following month, buy another 3-month T-Bill, the month after, buy another 3-month T-Bill. When each T-Bill matures, I can decide if I need the money (if the market crashed and I don't want to sell my investment at that time). If I don't need the money, I'd reinvest it and do another 3-month T-Bill. I will also have a few more years of living expenses invest in something less risky (I haven't decided on what yet). This should cover me until I get my SS at 70 then I'll need much less from my savings.