Two articles from The Independent urge readers to begin retirement cash planning well before retirement. They argue that setting up a dedicated “cash bucket” helps cover near-term spending needs and reduces the pressure of making last-minute decisions. The guidance focuses on taking action earlier rather than relying on a single, end-of-career timeline to move money into accessible funds. The articles frame the approach as a practical way to improve financial resilience as people transition into retirement, aiming to limit stress and avoid potential costs or complications that can arise when retirees scramble to arrange liquidity at short notice. While the pieces share the same core message, they emphasize the same general benefit: having sufficient cash available during the early retirement period. Overall, the outlets present the “cash bucket” step as a simple, proactive move that may help retirees manage spending more predictably and feel more prepared for the start of retirement.