[SamAdams76]

That is a very good point. I've been purchasing stock since the early 1980s, either directly or through my 401(k). I've never actually sold any of that stock. I just dump the money in and let it ride. On paper, I could say I'm a millionaire but it doesn't feel that way because it's all just out of reach. Much of it I can't even touch until I'm 59 1/2 (401k) without incurring steep penalties.

So I live within my means and hope that some of it is still there when I'm older! So far, so good since Trump got into office.

[proxy_user]

But you could tell your 401K admin to sell your stock funds and put the money into a money market fund, securing the full market value of your stocks in cash - if you wished to do so.

You could also take money out before age 59 1/2 through a 72t plan.

I do not personally recommend either option.