My husband and I have a decent amount of cash and he's currently out of a job - looking but who knows. This is the situation - we've been burnt by the market. He was too invested in stocks and I freaked out when things started going south and we pulled out of the market at about DOW 7,000 and I don't want to go back in. Luckily he got a lot of cash when he was downsized after that. Everything else looks risky too - bonds, municipal bonds, real estate. If you took our nest egg and divided it by 30 - we probably would have enough to live. Should we invest it or just keep it in cash? I don't trust any financial planners either. I'm worried about inflation too.