This is Motleyful Answers. I'm Allison Southwick and I'm joined as always by Robert

Burr. It's cold outside. Oh, camp. Hey, bro. It is cold. I'm using the space heater in my

basement office for the first time in months. Yeah. Well, it's cold because it's February.

And that also means that right now is the February mailback. So Motleyful analyst, Emily Flippen,

will help answer your questions about rebalancing your winning stocks, how to calculate your

savings rate, and investing your emergency fund. All that and much, much more on this week's episode of Molly Flancers.

Emily, thanks so much for coming back to the show.

Hey, thanks so much for having me.

And I'll tell you, bro, you need to upgrade from your space heater to a heated blanket.

I recently made that upgrade myself.

And not only do I love it, but my cat loves it as well.

Ooh, also get a cat. There you go. Emily, I think the last time you were on, it was for our

industry focus series, and you helped walk us through consumer goods and what to expect in the

year and beyond. So it's great to have you back here to also share

your other investing knowledge outside of consumer goods. I had almost completely forgotten about that.

Yeah, it's great to be back. That was one of the best days of 2020 for me. It was when you came on

the show. I can't believe you forgot. That's fine. That's fine. All right. Well, should we get into it?

Let's do that. Yes. The answer is yes. All right. Our first question comes from David. I've recently started thinking about retirement earlier than planned in two plus years when I turned 55. My wife and I could collect about $30,000 in pension income from our employer at that point. Plus, we'd continue to work self-employed clearing $20,000. What I'm not sure about is how and when to fill the, quote,

bucket for cash to spend once retired if the market is down. If we want to raise our cash position

from $20,000 to $60,000 or more, do we stop putting money into Roths, stop paying

any extra on our mortgage, stop equity investing in our brokerage account over the next two years?

Selling stocks now to raise cash will be tax like income, so it seems like that should be avoided.

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