Those who use the term Bucket 1 (Ray Lucia style) for their living expense money at FI what do you hold that money in.......CD's, Money Market, Wellesley, or Treasuries. If that fund has to feed you for a specified time, say 6-7 yrs, how do you select a fund/allocation that will stand up to your projected needs and not drop in value. I guess this would more apply to a mutual fund like Wellesly or a fluctuating interest MM than fixed return instruments like a laddered CD over 6-7 years.