How Much Cash Should You Keep in Retirement? (Avoid This Costly Mistake After 60)

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If you’re over age 60 and have hundreds of thousands of dollars sitting in a savings account, money market fund, or checking account—you’re not alone. Many retirees and pre-retirees hold large cash reserves thinking it’s the safest move. But the truth is: holding too much cash in retirement can quietly derail your financial plan.

In this video, I’ll show you why excess cash after 60 can become a hidden risk—costing you purchasing power, tax efficiency, and long-term growth—and what to do about it.

We'll cover:

✅ How much cash should retirees keep on hand for emergencies and expenses
✅ Why cash drag can erode your wealth slowly through inflation risk
✅ The right balance between liquidity and portfolio growth in retirement
✅ How too much cash can trigger higher Required Minimum Distributions (RMDs)
✅ Smart strategies for deploying extra cash into tax-efficient retirement income plans
✅ How to structure your retirement buckets for peace of mind and flexibility
✅ When holding cash makes sense—and when it’s holding you back

I’m Nathan Sealey, founder of Brass Ring Wealth Management, and I help high-income individuals, families, and business owners create financial plans that reduce taxes, grow wealth, and provide reliable income for retirement.

If you're approaching retirement or already retired, this video will help you make more informed decisions about your cash position, your retirement withdrawal strategy, and how to protect your retirement savings from inflation and market volatility.

📊 Whether you're wondering:

Is $100,000 too much to hold in cash in retirement?

Should I invest my extra savings after 60?

What’s the best place to park money I don’t need right now?

How can I avoid tax problems caused by holding too much cash?

What’s the best way to manage cash flow in retirement?

This video will give you actionable guidance backed by real planning strategies.

🔑 Key concepts covered in this video:

Excess cash in retirement

How inflation impacts retirees

Safe investments after 60

Roth conversions during the tax planning gap

Retirement bucket strategies

Cash allocation in retirement portfolios

Reducing longevity risk with better income planning

Avoiding RMD tax traps and IRMAA surcharges

Best use of cash after selling a home or business

Rebalancing idle cash for long-term growth

👉 If your money isn’t working as hard as you did to earn it—this is your sign to act. Book a strategy call to review your cash reserves, tax strategy, and long-term income plan with a licensed retirement advisor.

🔔 Like, comment, and subscribe for more retirement tax tips, income strategies, and financial insights tailored for those 60 and up.



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