 Be careful when you're picking your investments, but I just told you how to pick them. In a cash bucket, it's cash, CDs. It is going to be in bonds that are going to mature soon, within three years. And that's it. It's just basic stuff. Great tip. Let's say an IRA and you're coming up on a retirement and you've listened to my advice about using the three buckets. Why not open up three IRAs? Three.