Each week it seems that the markets can't get any higher and yet they do. Math would suggest that a period of such increases can only be followed by a period of decline. 

While it's true that markets go down but don't stay down, in a balanced world then the opposite may also be true: markets go up but they don't stay up. 

These factors will come as a surprise to almost no one. To a great extent they are the rules of simple math and probability. But, the fact that they go up but don't stay up and that they go down but don't stay down isn't the point. 

The point is at what cost?

And no I'm not looking for a answer like, "it went down 355 points" or "it went down 13.5%" No. 

Photo by  Rob Potter  on  Unsplash

Photo by Rob Potter on Unsplash

The answer I'm looking for is: How much did the decline (when it comes) cost you in your progress towards you goals and objectives?"

Will you have to work a few years longer? Cut some planned "extra" expenditures that you'd put on the calendar when things were better? Maybe rethink starting dates for Social Security or whether or not to take that lump-sum distribution and roll it over or, leave it and take a monthly pension distribution instead?

These questions should surpise no one either, but they always do. And they do because as a general rule most people have no plan. And, if you have none, then it would be hard for it to be impacted by changes wouldn't it. 

Sure intuitively you may sense that there's an issue but you can't really quantify it, or name it's solution in any real way.

It's almost ironically like the Halloween corn maze, you know you're going to go in, your certain you're going to come out and it's going to be confusing and scary and uncertain in-between those two points.

Your life is not a corn maze, you can do better than that. Uncertainty can be fun in many things. I'll bet your financial security isn't one of them. 

Don't just sit there, do something.