Sticking with 2020. I have a five year CD ladder to get me through if needed.
+1. I created an 8 year CD ladder in Jan 2018 (fire date 12/15/2017.). I figured that each year I could either use the $ for living or do a Roth conversion from my IRA. Either way, I positioned myself not to have to sell any equities any time in the near future.
No worries here.