Hi Brewer,"If I didn't want to sell at a particular time, there is always a margin loan for the short term."I hadn't thought of that. We could take out a home equity loan if we didn't want to sell for the short term due to market conditions. Also, we could just stop contributing some or all of our after tax retirement savings if we had an emergency.It does hurt to have a lot of cash tied up in assets that barely keep up with inflation while busting to grow our retirement nest egg.-helen
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