Hi. I just retired at 57. I'm about to commit to a 10 year treasury ladder of about 1million, 1/2 of the fixed asset portion of my portfolio. In the next 2 years the other half of that money will come due and I intend to do the same. We have 4m total and can live comfortably on 120k/year. No debt. I'm a bit nervous about locking in that money, but rates are good, I'm not a market timer, my severance will cover about 2 years and I have 2 years of expenses in sgov, a high yielding money market equipment. Thoughts on the ladder?