What Uncle8888 has learnt from past crisis 1997/1998 AFC, Sep 11 WTC, SARS, GFC and COVID-19? As full-time Employee; he feared the most i.e. losing his job especially when he was a single household income with five mouths to feed and three school going children. How much expenses could he really cut during crisis? To prepare and to survive over future crisis; he NOT only prepared emergency fund; but in fact he dare NOT injected any more cash into his investment portfolio as he always like to think that he has injected enough cash capital into his bank account dedicated for investing and his CPFIS as additional chest war. Now, as retiree from full-time job without monthly salary and medical benefits; he knew the impact of cut in dividends in his investment portfolio facing Sequence risk during crisis time. COVID-19 came in time to teach him good real life investing lesson...