The key is understanding history. I'm amazed how many people panic when stocks drop 10 20 25 30% did you not expect this? Look at financial history. This happens every three or four years. So when stocks go down, you should say, Oh, yeah, this is why I get paid more to invest in stocks. That can happen. It has happened before. It could happen again. The truth is a great time to fix mistakes that you've made because the tax consequences are so much less.