Wife and I plan to FIRE in 5 years, we should have plenty of money (and can always work an extra year or two if it came down to it). We’ll only need a 3% WR even if we didn’t lower spending. Our portfolio consists of the standard vti/vxus/bnd setup. I know I should increase my bond holdings to at least 25% leading up to retirement to offset SRR, and I’m currently at 10%. But as I was planning out my bond purchases for the next few years, I realized I also have a 7-figure cash windfall coming, in about 5 years. That alone will be 6+ years of living expenses. So I’m wondering: does the windfall open additional options to avoid SRR? should I keep buying 90/10 for the next 5 years, knowing I’ll have the cash if needed? I could live off that if the market is down, or use it to buy more bonds if the market is up?