 No one likes to see their portfolio go down in value, and yet it's inevitable. It also happens with our housing market, but we don't get as concerned because we're going to live in our home. We're not planning on moving. So you need to think of your retirement portfolio the same way. There's a portion of it that you're going to need soon. And that's the part you need to calculate out and say, if I'm going to need to withdraw $50,000 out in three years, well, that portion should not be subject to stock market volatility.