I suggest that you put together three different baskets for your retirement money. This basket is for short-term needs — for the unplanned expenses, which often feel like they hit at the worst ...

Just like the garden we explored ... the concept of having a separate basket labelled for retirement funds, distinct from everyday expenses or discretionary spending- creates a mental boundary ...

Just like the garden we explored ... the concept of having a separate basket labelled for “retirement” funds, distinct from everyday expenses or discretionary spending – creates a mental ...