 That's when they make their worst possible decisions. They pull out at the wrong time. Then they're afraid to get back in and miss the move back up. It just never ends. The idea with a good plan is that you don't have to do anything. You're not going to have so much of your wealth at risk regardless of what the market does. If you do it properly, you'll never have too much of your money at risk. So we can ride with a certain proportion of our wealth. We can ride the