One Less Resolution for 2026!

I am on schedule to retire in 18 months, at the age of 65.  But I have decided to allocate our assets now.  The stock market indexes are near/at all-time highs, so why put it off?   Within all of our necessary accounts, we have put 5 years worth of projected expenses into cash/cash equivalents.  5 years of spending and taxes in my Traditional retirement accounts.  5 years of Medicare/medical expenses in our HSA accounts.  5 years of QCDs in my wife’s Traditional IRA for charitable giving.  (She will be 70 ½).  

For the next 6.5 years, you won’t hear us moaning about not being able to do something because the market is down.  (And I’m sure it WILL be, sometime in the next 6.5 years!)

If disability or “right-sizing” retires me early, then we’re ready.  With approximately a 75/25 portfolio now, and 18 more months to go, we can be agile with our future investing.  Market drops?  We can buy low.  Market rises?  We count our blessings at 80/20.  Inflation rises?  We can add to the cash for higher future spending.  

We plan on reassessing about once a year and otherwise, we’ll get busy living.