Tori Dunlap

speaker

5,054 appearances 14 recordings 1 series first heard Jun 2026 last heard 6d ago

Tori Dunlap’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 14 in all, peaking in Jul 2026 with 5.

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Financial Feminist · 298. Ask Tori: Investing and Retirement · 8 Sep 2026 podcast

And if you can, we're gonna start thinking about you needing this money.

five to ten years before you actually need it.

I'll give you the example of my parents.

My parents are in their early 60s.

And for the past couple of years, what they've been doing is slowly taking out money from their retirement accounts and from their general brokerage account, which, as a reminder, is not a retirement focused account, but is an investing account.

And they've been putting it in what's called a CD ladder.

What is a CD ladder?

It is various CDs with various

Terms like year amounts.

So for instance, they might have one CD that matures, for instance, 10 years from now.

And then they'll have another CD that matures eight years from now, and then five, and then four, and then two, and then one.

So that they're slowly getting that money as they will need it.

You are not taking all of your money out of your investing accounts for retirement.

once.

One, that's gonna be a tax nightmare.

And two, the point is you want to allow your money to continue to grow, the money you don't need yet, right?

So if you spend, let's say, $50,000 a year, if your expenses every year are $50,000, maybe the time

You're thinking about retirement, right?

And those maybe five years before, you're slowly starting to pull out that money.

So, you know, you might take out if we're retiring at 65, at 58, you might take out 50K.

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