<p>A familiar type of market downturn hits hard for anyone with savings. Your portfolio drops, the news is bleak, and every headline seems tailored to fuel anxiety. If you’re within a decade or so of retirement, that feeling intensifies. The finish line seems close, making it feel even more fragile. In those moments, the urge…</p>

<p>The question sounds almost too simple. You’ve got some cash tucked in a drawer, maybe a few folded bills in an envelope behind a book on the shelf. Is that enough? Is it too much? Should it be in a fireproof safe, or should it not be at home at all? Most people have never…</p>