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You are not going to lose all your money that's invested in the S&P500. If a crash happens and you lose half of it -- bummer. Hang on and it'll recover in a few years.

OK, let's take this perspective then;
$100,000 liquid net worth.
How much of it would *you* (RayVT) put into an unhedged-long buy & hold position on the S&P, with the backward-looking wisdom & awareness of typical S&P drawdowns, versus "life happens" potentiality of needing to raid it for junior's uninsured skateboarding incident?

Do you keep just 3 months' living expenses nut aside where its free from drawdown risk? Less? More? How much?

Dave Donhoff
Leverage Planner
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