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Ramsey Solutions.com slash smartvester. Robert is in Nashville, Tennessee. Hey Robert. How are you?

Hey, guys. I'm fine. How are you today? Excellent. How can we help out? Okay, I'll tell you my

questions first, and then I'll give you all the particulars if you want them. Okay. I'm looking,

I'm looking at retiring at the end of the year, and I'm looking at all the indicators,

golds high, dollars down, one bucket's moved a bunch of cash, has the biggest

cash position ever. Should I take part of my 401k and move it into my cash mutual fund for now?

How much money do you have? What's your total nest egg?

Okay, total nest egg. My wife and I have 400K and a 401k in Roth.

We have 100,000 in a high-yield savings account.

We plan on using that interest draw off it yearly for part of our retirement living.

My annual rate of return of my mutual funds is 10.89% over the last 23 years.

Way to go. That's exactly what we tell people. That's where you should be.

So you've been doing it right. So you're heavy in equities. You don't have a lot of bonds right now?

What's the split?

It's probably, I've been very aggressive because I found Dave later in life.

Okay. So I've been very aggressive. Good. It's worked out.

I'm probably 93% in life. Okay. So I've been very aggressive. Good. It's worked out. I'm probably 90,

I'm probably 93% in stocks right now. Dave Ramsey would like that. So here's the deal. Dave is not a

fan of the asset allocation theory of let's move you to 60% bonds because we're spooked. Because

the truth is you are missing out on a whole lot of returns,

because you could live another 30 years, right? How old are you? Well, I'm 70. My wife plans

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