$3,000/mo hard cash will be a very comfortable retirement for me. Some golf and travel money in there too (about $1,000/mo worth). I'm retiring in 18 months, with $2,668/mo social security, and $650/mo annuity (old pension). So I should not have to touch my stash, ever, either. But it is comfortable that it is there. I do think I will set it at 50/50 stocks/bonds. Some will be in cash accounts, some in taxable IRA money. I have projected that I will be able to withdraw about $16,400/year from my IRA and still pay zero income taxes. Since I don't need the money, I will withdraw it, then immediately deposit it into my Betterment cash investment account (avoid any significant future possibility of taxes).