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2.5% in cash seems a bit low, but....

Is this $800,000 their entire savings?

Are the non-cash holdings stable and generating cash, or are they invested in Groupon, Zillow, Tesla, etc?

The holdings would only need to be sold when the market price is down IF the market price is down - if I were retired right now I wouldn't be too upset about having to sell my holdings at today's levels.
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