About 1/3 of my estate is in the stock market. I sold 1/2 of that 1/3. I'm prepared to sell the rest. I may sell the remaining 1/2 in the coming days. Cash is more prudent in an emergency, and I'm prepared for that too.

I have the usual spectrum, ranging from more money in safer, long-term investments, to smaller amounts that are liquid. All I've done is to move things moderately toward the more-liquid end of the spectrum.