To be fair, I was afraid of losing my investment so I didn't. Had I done so, I'd be sitting pretty, so I've started taking more risk. The thing is, worst case scenario just cash out. You're not exactly losing your money unless the price plummets or your account becomes compromised. So at best, if you're low on cash because you over-invested, just cash out what ya need. Hopefully I never have to cash out. I'm all about HODL right now.