No, don’t risk ANY of it. I’m sorry you (and I) aren’t earning any interest on our “chicken money” — blame it on the Fed, keeping rates at zero to keep the economy going. But at least in bank CDs and MM funds we won’t lose a penny. Just keep working as long as you can, and sleep better knowing you have the cash in a safe place. Things will change and one day you’ll be glad you kept it safe.