 Do you think the market is going up or going down? Or is that even the right question to be asking? Here's a better question. When the market goes up, do you get to lock in your gains? What if you never had to worry about the market going up or down? Here's another question. Do you have a plan to never outlive your retirement money? What if the market crashes when you need to start using your money for retirement? Taking withdrawals from your retirement account can have devastating consequences due to sequential rate of return risk.