 When the markets are down, the only time in a good plan that you will draw monies out of your market accounts is when the markets are high. And guess what? Most people don't have a plan like that. They simply have a plan where they react every month. Oh, gee, the market's down 30%. You know, I used to have a million dollars in my account. Now I have 700,000 and I still have to take, you know, $5,000 this month out to augment my income to maintain my lifestyle.