Income Over Wealth

Four places to keep retirement cash, ranked for the money you plan to spend, and how much of your money belongs in them

Show Notes

Where you keep cash in retirement comes down to what each dollar has to do. This episode ranks four places retirement cash sits for one job: the money you plan to spend. It walks through the real rates on each and what backs them, then covers how much of your money belongs in any of them.

  • Why the same $100,000 in cash earns about $10 a year at one big brokerage and about $3,300 at the same firm on the same day
  • Why the account paying the most today does not rank first, and how the answer flips inside an IRA
  • The sizing rule for a cash cushion, and the study where five years of withdrawals in cash took the failure rate from under 10% to over 25%

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=rItYwOprLe4

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

What is Income Over Wealth?

Retirement is an income problem, not a net-worth problem. Dan Wilson is a real estate investor, not a financial advisor. He buys and rents houses in Ohio, funds them with private money instead of bank loans, and built enough income from real estate to leave the Air Force. Twice a week, in about fifteen minutes, he works out how to replace a paycheck in retirement: where monthly income actually comes from, what each source costs you in risk, and how private lending works, including what to demand from any borrower. Every episode is also a video on YouTube. Free tools, the weekly letter, and every episode's notes are at https://incomeoverwealth.com. Educational only. Not financial, legal, tax, or investment advice, and not an offer or solicitation of any investment.