Reply to Is this allocation ok for someone retiring in a few months?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Be careful of type of MM fund you have.  Some of them came close to being gated in 2020.  Most prime MM funds have some sort of restrictions during excessive drawdown periods.  SGOV is a good alternative and also I think more tax efficient.

I would also look into hedging into a different currency FXF, FXE, or gold especially with you having a deferred comp coming anyways (hopefully that is being managed properly).
 
Fundamentally we are going through a major regime change and I doubt that prior assumptions of the last 60-80 years are really that valid.  My concern would be deeper—it’s not just a soft landing vs hard landing. It’s a question of whether the U.S. remains a trustworthy steward of capital at all. If that’s the case then your current setup is not adequate.
[/quote]

12.5MM not adequate, apparently.

Should OP just go full Nick Offerman in the Last of Us?[/quote]

It's stressful when there is actually something to lose.  In 2008 I was youngish and had much less to lose and govt was trying to help the economy.  Now we have assets to worry about and govt is actively trying to destroy them. :( [/quote]

Imagine how stressful it might be if you say counted on social security and just had yourself declared dead, and had to wade through offices that had been gutted in order to fix the issue and get your monthly payment. Possibly a bit more stressful than having $12 million that might go down 20%.

https://www.washingtonpost.com/politics/2025/04/23/dead-social-security-doge-musk/[/quote]

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