13_Phunkod / Shutterstock.com Key Points The S&P 500 is up over 16% year to date after recovering from earlier losses. The Fed is expected to cut rates to 3.50%-3.75% on December 10. Near-retirees should hold one to two years of cash to cover expenses. If you’re thinking about retiring or know someone who is, there are three quick questions causing many Americans to realize they can retire earlier than expected. take 5 minutes to learn more here When the Federal Reserve announced its first inte ...