Tony has asked me to share this story with you because it embodies a central lesson of this book: bear markets are either the best of times or the worst of times, depending on your decisions. If you make the wrong decisions, as most people did in 2008 and 2009, it can be financially catastrophic, setting you back years or even decades. But if you make the right decisions, as my firm and its clients did, then you have nothing to fear.
