> if you're cashing out next year, you're gambling on somewhere between a -40% and +60% return This is true but it's not a great idea to cash out all at once.

> if you're cashing out next year, you're gambling on somewhere between a -40% and +60% return This is true but it's not a great idea to cash out all at once. Better to de-risk gradually, and only sell small lots when you need to fund expenses.