I am not that concerned but will most likely start distributing the funds rather than defer more.The original question asked whether deferring income as long as possible might be a good idea even when retired (and if that is even possible) which would make a larger percentage of income be taxed at 15%, and the fact that money could work tax free possibly in the form of a tax deferred self directed (traditional) IRA.The reason for considering stashing cash in retirement is the fact that my pension will almost certainly implode.

I assume she has money stashed in commodities or liquid off the books assets like entire sports team signatures hangin on the walls etc.

That can add to your stash pretty quick.Once you have an emergency fund, minimal monthly expenses and something for a downpayment, go for it!

If the $50K is a significant portion or your entire stash of available money, this investment isn't for you.If you want to invest in this sort of thing, consider apartment REITs.

Is there something of value inside they want, such as washing machine money, rob the mail, a crack stash in one of the units, an Ex all drunked up and throwing a fit (???)

Some buyers in the Bay, especially the international buyers are just looking for safe inflation proof places to stash their money and don't even care about cash flow.   

We have a lot of cash stashed up.

I still believe it is the safest surest place to stash money.   

When you were first getting started (before you had that 50k HELOC), did you have a large stash of cash for a rainy day?

both of which can be explained away, the scale, as applicant may of wanted to weigh pot to ensure amount, and having multiple baggies, they may have "forgot" where their stash was, and bought another.