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...bear markets...the last one in 2018 was 22%. I can live with that because I have over one year worth of cash reserves and ample credit via my fully paid credit card and broker margin account that I very seldom use.

The only one of the bear markets you listed I experienced since I took control of my investments was 2018, when I too was down 22% over the three months Oct through Dec. I rode it out without getting too upset.

I had at least two years worth of spending in cash until one day in October when I decided that my portfolio had grown to the point that I should put more aside. I sold about 16% of my IRA stocks, roughly evenly across them all, and am now at 5+ years cash. Having done that I got a laugh the next day when I read that Saul ( had chosen the same time to move 4% from stocks into emergency cash. In retrospect that week was a peak that I haven't approached again, so maybe it was just a good time to raise cash.
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