Tragic life events that need you to liquidate your savings are very rare. Personally I used charge cards (they had a zero balance) while I waited for the marke

Tragic life events that need you to liquidate your savings are very rare. Personally I used charge cards (they had a zero balance) while I waited for the market to come back (2 months) and then I pulled out as little as possible. When the market was much better I paid off Charge Cards.