Not taken as criticism, and I absolutely know where you&#x27;re coming from; solid advice. My mitigation is tight stops, and yes, I know what the downsides of those can be in a crashing market. The risk&#x2F;reward for me versus a savings account at 0.5% is acceptable to me.<p>Or if you mean it&#x27;s all tied up in a 401K, yeah, I hear ya. The vast majority of our funds are in there. The mitigation to <i>that</i> is a goodly amount of cash (easily get by for a year with no income) in a standard brokerage account that has a debit card and a checkbook I&#x27;ve got lying around the house somewhere, under the assumption that something like AAPL should be liquid <i>enough</i> should we need the cash. But, see above...