Quick Read The S&P 500 (SPY) fell 14.6% in five days during April 2025. Retirees without cash reserves face forced selling. Debt-free retirees need $160k-$240k in liquid reserves to weather S&P 500 downturns without selling stocks. A bucket strategy allocates cash for year one and bonds like AGG for 1-2 years of expenses. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here. Paying off your mortgage and ...