Let's move on to Jordan's question.

What is the best way to build up cash reserves from three to six months to one to two years

so that I can move into retirement?

Do I cut my investments and pile into cash or build it up over the last few years while

still investing?

Yes, so what this was Jordan, right?

Yes.

What Jordan's hitting on is, you know, normally we say when it comes to emergency fund, we want

you to have three to six months of your living expenses in cash on hand.

So you got to determine first, okay, what about living expenses?

Do I fall in the three month category?

Do I fall in the six month category?

And you have that.

But when you get to financial independence, when you get to the point where it's time to

start living off of these dollars, we don't think three to six months is enough.

We want you to have 12 to 18, maybe even 24 months of liquid living expenses readily available

to you so that no matter what the market throws at you, so no matter what volatility you see,

your portfolio can sustain that because you know you have liquidity captured.

So I think Jordan's question, Brian is, well, okay, do I rebalance my portfolio and sell

some stuff or do I decrease my savings and just stack up cash or is it a combination of

both?

Or not a right or wrong answer kind of depends on preference.

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