>>60554911i would still leave it in stocks and just keep $80k in a flexible savings account (ie a chequing account with interest) which i would incrementally top up whenever it wasn't the bottom
if things go so badly that stocks lose over 30 years then dollars will have also lost and everyone, even bobo, will be in the gutter
i'd keep working a little anyway but it would be lifechanging knowing i didn't need to find work or face homelessness in a few years