Given all the uncertainty around the markets, and how bad 2025 has been so far, and odds of it going lower being pretty high, who else has taken steps to reduce some of their equity exposure? I just realized that if I didn't invest any new $ starting in January, I'd actually have more now. Cash would have made me more, even with a 4-4.5% yield. I will take that over a negative return, which could very likely happen in 2025 with the way things are going.