If you ever lose money in the market, don't bother to think about how you could have used the money to spend on something else. I know a lot of people who lost a few thousand in the market and regretted investing their money, whining that they could have used the money to buy a branded bag, shoes, gadgets, or dine in a Michelin-star restaurant. And some of them were actually foolish enough to really go ahead and spend another few thousand on the stuff mentioned earlier to make them feel better about the loss. Honestly, I'm still trying to figure out how does that works for them. Just like how we differentiate investment from insurance, we must also separate investment capital and budget for spending. When we are saving aggressively in our 20s, we are usually saving up money to invest for wealth accumulation or to spend for enjoyment....