Tool 03 · Retirement income
The Bucket Board
Drag the money into Now, Soon, and Later. Then crash the market — and watch the income you need first sit there, untouched, no matter what stocks do.
Their nest egg — drag each $50k block into a bucket:
Now · 0–2 years
Spending Money
Cash & stable value. This is the grocery money. It must not move.
$0
covers 0 years of spending
Soon · 3–10 years
The Bridge
Bonds & conservative mix. Refills the Now bucket as years pass.
$0
covers 0 years of spending
Later · 10+ years
The Growth Engine
Stocks. This one is allowed to swing — it has decades to recover.
$0
covers 0 years of spending
Allocate the blocks, then hit the crash button to see what it touches.
See these numbers for your actual plan
These tools show the shape. A free 20-minute call turns them into your real retirement and tax picture.