Just a thought and I guess it largely depends on how old you are where you stand in terms of retired or not retired. Shouldn't we hope for a nice drop in the markets? As for me I do b/c it means I have a chance to pick up equities at low prices. Seems to me it would speed up my chances for early retirement if I had the opportunity to buy cheap like I am sure many of you all had back in the 70's, 80's and early 90's. Are my ER chances pretty much a product of my investment accumulation environment? I think so to some degree but the floor is now open for debate.