@c_buildingquietwealth: 65 or Retired? You NEED to watch this!👀 If you’re older or retired and worried your money won’t last as long as you need it to, you might be right. Especially if you’re keeping everything in cash or cash-equivalent accounts like high yield savings accounts, money market accounts or CDs. Instead of treating all your money the same, split it into 3 buckets: Bucket 1: 1-3 years’ of expenses (keep this in the HYSA or money market account) Bucket 2: 20-30% in a dividend ETF like SCHD, or a balanced fund like VWELX Bucket 3: the rest in VOO or a total US stock market ETF This allows your money to keep growing, but also preserve the wealth you’ve worked so hard to create. And it won’t allow inflation to eat away at it. Because at 65 or older, the question you should be asking isn’t “how can I keep my money?”, but “how can I make my money outlast me?” *Not financial advice, educational purposes only. #PersonalFinance #retirementplanning #investingforbeginners #moneymanagement #retirement

Charlie- Building Quiet Wealth

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Monday 02 March 2026 00:25:40 GMT