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Record retention requirements for individuals in the U.S.?
Indeed the IRS publication references the 3-6 year time span. And no limit for fraud.  But. I get a notice that some stock I owned 10 years ago has a settlement pending, and the records of this stock purchase and sale would potentially get me back some money.  I get my Social Security statement (the one they stopped sending, but this was before then) and I see the 1995 income shows zero.  Both of these were easily resolved with my returns going all the way back, and my brokerage statement as well. For the brokerage, I recently started downloading all statements as PDFs, and storing a copy away from home. Less concerned about the bank statements as I've never had an issue where I'd need them.