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    <title>Retirement Cash-Bucket Strategy: Compare One, Two, and Three Years</title>
    <link>https://www.fire-path.app/blog/retirement-cash-bucket-1-2-3-years</link>
    <description>Turn cash buckets into an operating system. This U.S. example compares one-, two-, and three-year designs, maturity ladders, refill order, guardrails, and bear-market exceptions.</description>
    <pubDate>Fri, 26 Jun 2026 00:00:00 GMT</pubDate>
    <author>support@ascend-spark.com (Fire Path Team)</author>
    <category>fire</category><category>cash bucket</category><category>retirement withdrawals</category><category>asset allocation</category><category>sequence risk</category>
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    <guid>https://www.fire-path.app/blog/sequence-of-returns-risk-withdrawal-order</guid>
    <title>Sequence-of-Returns Risk: How Withdrawal Order Changes the Outcome</title>
    <link>https://www.fire-path.app/blog/sequence-of-returns-risk-withdrawal-order</link>
    <description>The same annual returns can produce different retirement outcomes when withdrawals are present. This reproducible U.S. example shows sequence risk, asset-sale order, and practical mitigation rules.</description>
    <pubDate>Fri, 05 Jun 2026 00:00:00 GMT</pubDate>
    <author>support@ascend-spark.com (Fire Path Team)</author>
    <category>fire</category><category>sequence risk</category><category>retirement withdrawals</category><category>rebalancing</category><category>withdrawal order</category>
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    <title>What Happens If Your First Year of Retirement Is a Bear Market?</title>
    <link>https://www.fire-path.app/blog/retiring-into-bear-market-fire-plan</link>
    <description>A first-year bear market does not automatically break FIRE, but early losses plus rigid withdrawals can permanently reduce the recovery base. Use this U.S. action plan and decision triggers before selling.</description>
    <pubDate>Mon, 01 Jun 2026 00:00:00 GMT</pubDate>
    <author>support@ascend-spark.com (Fire Path Team)</author>
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