edahymn / Shutterstock Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below. During your working years, it’s important to have cash savings for unplanned expenses. These could run the gamut from home repairs to medical emergencies to a period of unemployment. But what if you’re retired and are therefore relying on your savings and investments to fund your lifestyle? In that case, the guidelines for keeping cash on hand change quite a bit. Here’s what you nee ...