We Wanted It Safe… But We Had to Set Up Our Money This Way Before Retirement

As retirement gets closer, we realized investing is no longer just about growth — it’s also about protecting what we’ve built. In this vlog, we share how we’re using Treasuries, CDs, HYSA, and a ladder strategy as we prepare for retirement. We talk about: • why we like Treasuries before retirement • how our CD/Treasury ladder works • balancing safe investments with growth • why flexibility and peace of mind matter more to us now This is not financial advice — we’re simply sharing what’s working for us as pre-retirees preparing for retirement in 2027. #retirementplanning #retirementinvesting #treasuries #cdladder #safeinvesting #retirement #personalfinance #preparingforretirement #wealthbuilding #filam Timestamp 0:00 SAFE? Why we’re investing differently before retirement 0:29 Why retirement changes the way we think about money 0:55 Our goal now: protect the principal 1:23 Why we started putting money in Treasuries 1:40 Why Treasuries matter in California 2:23 CDs, HYSA & our “safe bucket” 3:01 Why we don’t put everything in one place 4:01 Our ladder strategy explained simply 5:06 We still want to make money… 5:44 Why we still keep growth investments like VOO 6:37 Protecting the lifestyle we already built 7:11 Peace of mind matters just as much as growth Check out our channel for more videos : https://www.youtube.com/channel/UCwZEfU5vkYMM8_ft_xwaz3g for business inquiries: haven.eileen@gmail.com