How Early Retirees Use Treasury Ladders for Predictable Income

Lucas and Luna explore how early retirees can build a Treasury bill or note ladder to generate predictable, low-risk cash flow during the first years of retirement. They break down a specific example: a retiree with a $500,000 fixed-income allocation who creates a five-year ladder of 2-year and 5-year Treasury notes, earning roughly 4.5% yield as of mid-2026 while matching expenses to maturities. The episode covers ladder mechanics, reinvestment risk, and how this strategy pairs with a rising equity glidepath to reduce sequence-of-returns risk. Lucas explains why Treasury ladders beat bond funds for cash-flow planning, and Luna questions whether investors are leaving money on the table by avoiding corporate bonds. No fluff, just a concrete tool for the 'boring money' portion of a portfolio. #TreasuryLadder #BondLadder #EarlyRetirement #FixedIncome #SequenceRisk #RisingEquityGlidepath #RetirementIncome #TreasuryNotes #TBills #BondFunds #ReinvestmentRisk #PortfolioConstruction #FinancialIndependence #FIRE #PersonalFinance #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo