If you could wait out the market downturn by substituting something else for spending needs, what would the outcome for your overall residual wealth? What if this asset provided money Tax-Free and did not require monthly debt service? What if this asset could be managed at the boomer's discretion, payments made or not, but every payment is added to a revolving line of credit that could be used again and again when needed? What if this line of credit grew despite the underlying home value, cost little to maintain, and hedged against inflation? What if this asset could not be terminated, reduced or frozen by the lender? For more information please reach out to me.