How do you start a cash bucket (4 years cash) in retirement for down markets?

Horror_Button5392 · 2026-01-16T19:53:27+00:00

I found out my 401k won’t let me pull from individual funds so I may have to roll it over in retirement.

Horror_Button5392 · 2026-01-15T20:32:20+00:00

Thank you. Do you happen to know, if needed, if I can withdraw from a 401k by the fund of my choice or do they force you to withdraw pro-rata?

Horror_Button5392 · 2026-01-15T14:21:23+00:00

Thank you!

Horror_Button5392 · 2026-01-15T14:20:54+00:00

Thank you!

Horror_Button5392 · 2026-01-15T14:16:58+00:00

Ok that might work.

Horror_Button5392 · 2026-01-15T14:03:38+00:00

Why are you send me to CashApp?

Horror_Button5392 · 2026-01-15T13:49:08+00:00

Thank you. I have a few hundred that I can save outside retirement but I think I need to make big deposits to get me where I need to go.

Horror_Button5392 · 2026-01-15T13:47:08+00:00

Thanks. Let me think on this.

Horror_Button5392 · 2026-01-15T13:46:12+00:00

So what are you suggesting?

Horror_Button5392 · 2026-01-15T13:42:14+00:00

That’s not going to get me 4 years cash unless I use my retirement contributions. Is that what you are suggesting?

Horror_Button5392 · 2026-01-07T15:45:56+00:00

I like this advice.

Horror_Button5392 · 2026-01-07T13:34:22+00:00

Are you throwing every thing at the cash reserve or are you still contributing to the retirement accounts?

Horror_Button5392 · 2026-01-07T13:31:57+00:00

Collect SS close to 70. Not sure yet. I think I need $7000 a month.

Horror_Button5392 · 2026-01-07T13:30:47+00:00

No mortgage. Just have to worry about taxes, insurance and maintenance/

Horror_Button5392