I know, we will never retire . But ideally a trader should take 50% of it's monthly profits out of his accounts and invest 25-50% of that just in case . Where do you stash that cash? And is 10% really the long term average return in equities? Are You Flushing One Million Dollars Down the Toilet? A Suze Orman exclusive http://biz.yahoo.com/pfg/e04retire/art031.html