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anyone could have seen this market coming. i pulled my money out of the market in june and it is making 6% or more until i decide things have bottomed out and it's time to get back in. obviously her husband saw it coming too. there is nothing she can do about it except to keep putting money into the market and try to pay a little closer attention to what's going on in the world. or, she could ask her husband to help her manage her money since he seems to be a little more on the ball.