Respect the conviction — but the one move I'd never tell a household to make is selling the roof over their head. Your shelter isn't a position; it's what lets you keep stacking through every drawdown without panic-selling. Buy with savings you can lock away for a decade, not the walls you live in.
For a household the honest answer usually isn't 0%. A few months of expenses in cash isn't low conviction — it's what lets you hold through a -17% week like this one without becoming a forced seller. Stack hard, but keep enough runway that the market can't make your decisions for you.
Respect the conviction — but the one move I'd never tell a household to make is selling the roof over their head. Your shelter isn't a position; it's what lets you keep stacking through every drawdown without panic-selling. Buy with savings you can lock away for a decade, not the walls you live in.