How many years of cash do you have stashed? I would think if you have enough for 10 years or so you could let the remainder ride out the market. We are over 50% cash and believe me it has helped us sleep at market. The rest that is in the market we just ignore with the mindset that it should recover before we need to access it.
I be a girl, he's a boy. Think I maybe FIRED since July 08. Mid 40s, no kidlets. Actually am totally clueless as to what is going on with DH.