Not even the worst stock crash in history was a 99% drop.<p>Also, you are almost 100% wrong about the intention of the article. It&#x27;s not that they&#x27;re trying to make some point about people&#x27;s poor asset allocation, it&#x27;s just sloppy reporting.<p>If their actual point was that people had too much money invested, wouldn&#x27;t the most obvious and actionable advice for the &quot;What to Do If Your Savings Fall Short&quot; section be to sell some shares and transfer the cash into a savings account?<p>It&#x27;s on you to prove why your financially unwise viewpoint is correct.