<prompt> Human: I dont trust anything that fluctuates its value. I only trust cash. My wife and I are 31. We have collected a nice sum of 130K and save approx 3K every month. Since we work as freelancers, no one matches our 401k. We dont plan to have a kid or buy a house. No lump sum will be coming in in the near future. We will however, set an emergency fund for a sudden illness or unexpected job loss. I want to build a Cash Only Portfolio for us, especially for retirement. Here is what I have now: 36K in 5 year CD Emergency Fund: 6 months expense set aside as our income isnt stable. 24K in 10 year Treasury Note 70K in high-yield savings joint account: This is our annual budget. We put about 3K into this account and 6K in checking account for monthly expenses.According to an online calculator, I am on the right track to retire at 67. Anyone else out there who plan to stick with a Cash Only plan? How do you prepare for retirement? Assistant: So basically you want to lose your nest egg to inflation?Human: Then what if I beat inflation?  <response>: You probably wont. Your returns are what, maybe 1.7 nominal, so probably around -0.5 to -2 real. Youre literally losing money. 