I don't even worry, I have considered 30% downside as something I can actually expect (nobody may forecast an exact bottom) If it goes down 25% as you say, as only 75% is in the DDM, losses are 37.5% of the investment capital. I will not be worried, I might not even check quotes at all, until the 25% "almost cash" (T-Bonds, bonds funds, money market), is gone by paying interests, and this will take some years.
I am not gambling, this is NOT active trading. This is why I'm going for the Dow Jones, to buy and hold it until overvalued again, or until good profits are made (Dow 12,000+).
All traders lose, so that guarantees to lose your home. I had relatively small quantities, to trade (about $30k). I won and then lost several times, getting back to my original 30k. Now that I'm going for big money, I want something certain, like buy and holding the Dow at (somewhat) undervalued levels.
Why? 2x 75% equals 1.5X net leverage. Those 25% in "cash-equivalents" give me peace of mind to tolerate those moderate (30%) temporary fluctuations. And gives me time (and money to pay interests) in case the Dow takes a few years to start to go up (3 years).
Certain is that you own your house outright. You are way ahead of the game depending on your age. Keep it that way...peace
No point in continuing this "discussion". Again, it's the "since I can't do it, I concluded that nobody else can" kind of shit. I regret wasting time in this thread. It will be ignored forever.
You should have put her on ignore a long time ago. If it wasn't for all you quoting this pantywaste I wouldn't have even known what bs she was shovelling.