> My guess is most people doing the back-patting have never run the numbers on an adverse scenario. It's a $300K+ of lumpsum in the stock market. Usually it's

> My guess is most people doing the back-patting have never run the numbers on an adverse scenario. It's a $300K+ of lumpsum in the stock market. Usually it's the correct thing to do. But sometimes you buy at the worst time and lose ~30% or more.