On Sun, 9 May 2021 15:43:12 -0500, dpb wrote:

On 5/9/2021 2:05 PM, DerbyDad03 wrote:
When the market is doing well, withdraw the required money from your
stable buckets and re-fill them from the equity side. When the market is
doing poorly, withdraw the money from the stable side and leave the
equities alone. When the market rebounds (it*always* does) refill your
buckets to get back up to six years.

Huh?

We're withdrawing from the "stable" buckets either way...

In the current interest climate, there's essentially no "stable bucket"
that even makes the current (relatively) low inflation rate so you're
losing ground in purchasing power besides.

Draw down from the inflated buckets? If they're at, or near, the top
now, they're likely to be at the bottom tomorrow. Getting the
investments that are out-of-phase is the trick.