When Markets Fall

Simple Playbook for Long-Term Investors to Navigate a Bear Market: Reserve, Tiers, and Rebalancing

When Markets Fall
Simple Playbook for Long-Term Investors to Navigate a Bear Market: Reserve, Tiers, and Rebalancing
Book 3 in the “Stop Overcomplicating Money” series. Short reads that help you act, not collect trivia.

Markets drop. Headlines scream. You hesitate.
This short book gives you a calm, repeatable way to keep investing when it hurts—without turning money into a second job.

What this book actually is

• A right-sized reserve you’ll actually use (not hoard).

• Tiered adds you pre-commit to—equal amounts at set drawdowns.

• A Three-Minute Add routine to place today’s buy without second-guessing.

• Rebalancing by rule (calendar, threshold, or hybrid) you’ll stick with.

• Refill rules so the reserve rebuilds after a deploy.

• A one-page Crash Card and a 60-minute build to lock your plan.

What it isn’t

• No day trading. No indicators. No predictions.

• No three-hour theory before you can act. Just steps you can run this week.

Who it’s for
Long-term, everyday investors who want clear actions when the screen turns red: keep contributing, add by rule, and maintain their mix—life first, portfolio second.

How to use it this week

• Pick your reserve bracket and where it sits.

• Write a four-step deploy ladder.

• Choose your rebalancing rule and set one calendar reminder.

• Print the Crash Card. Run the Three-Minute Add the next time prices wobble.

This is not financial advice. Do your own research. Tax rules vary by country and personal situation.