Wrong again Tommy. IRA rules require earned income to be able to continue contributing, plus RDMs ( required minimum distributions ) kick in at 72. So when you have a 30% downturn at the wrong time in your life you may never recover, but you knew that. No, you didn't, you're a good little team Blue lapdog...Did you tell here she's buying more stock and when the market goes back up, which it will, she's going to have even more money? I doubt it. It amazes how much some of you guys panic when the market is down. Buy. Low.