Retirement Cash Reserves in 2026: How Much Is Enough?
Thu Feb 05 2026
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth
How much cash should you really hold in retirement?
Too little cash can create stress and force poor decisions during market downturns. Too much cash can quietly erode a well-built retirement plan through inflation, taxes, and lost growth.
In this episode, Tyler Emrick, CFA®, CFP®, breaks down how to think about retirement cash reserves in 2026, including:
How much cash is actually enough in retirement — and when it becomes too much
How interest rates change the cash trade-off in 2026
Where cash really lives inside a well-built portfolio (not just checking and savings accounts)
This conversation is designed for people approaching retirement or already retired who want to make smarter, more intentional cash decisions — without chasing yields or taking unnecessary risk.
Have questions?
Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals.
http://bit.ly/calltruewealth
Our website: https://www.truewealthdesign.com/
Phone: 855.TWD.PLAN
Contact our team: https://www.truewealthdesign.com/contact-a-financial-advisor/
Check out our other no-cost financial resources here: https://www.truewealthdesign.com/financial-resources/
Watch the show now on YouTube: https://www.youtube.com/channel/UCjENBHOti-IEJFqeydZm_Fg?sub_confirmation=1
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Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth How much cash should you really hold in retirement? Too little cash can create stress and force poor decisions during market downturns. Too much cash can quietly erode a well-built retirement plan through inflation, taxes, and lost growth. In this episode, Tyler Emrick, CFA®, CFP®, breaks down how to think about retirement cash reserves in 2026, including: How much cash is actually enough in retirement — and when it becomes too much How interest rates change the cash trade-off in 2026 Where cash really lives inside a well-built portfolio (not just checking and savings accounts) This conversation is designed for people approaching retirement or already retired who want to make smarter, more intentional cash decisions — without chasing yields or taking unnecessary risk. Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth Our website: https://www.truewealthdesign.com/ Phone: 855.TWD.PLAN Contact our team: https://www.truewealthdesign.com/contact-a-financial-advisor/ Check out our other no-cost financial resources here: https://www.truewealthdesign.com/financial-resources/ Watch the show now on YouTube: https://www.youtube.com/channel/UCjENBHOti-IEJFqeydZm_Fg?sub_confirmation=1