Good Morning all,

I have a little under 2 yrs until I retire at 59.5 and my question is in regards to 401k contributions. My company matches 50% of the first 8% that I contribute. I currently contribute 17% but I'm thinking about dropping that to 8% and then using the 9% increase in my paycheck to build up my CASH reserve.

I keep my CASH reserve in SGOV via a Fidelity Brokerage account. Currently I have 155K in that brokerage account with 50% in SGOV and 50% in VTI. Id like to have 200K in the brokerage when I retire and plan on using that as my hedge against SoRR. I have another 1.3M split across IRAs and ROTHs.

As of right now, I am making more per year in my accounts than I do from my paycheck. Because of that, I feel okay about reducing my 401k contributions and instead, funneling it to SGOV.…