This question is for those of you who specifically allocate a "cash bucket" in your AA to cover a specified number of years. Do you factor in expected dividends and interest each year? For example, if you need 25K per year and want a 3-year cash bucket, would you keep 75K in cash? Or, would you consider that you expect to receive, for example, 10K in divs and interest and keep 45K in your cash bucket to cover the difference?