<prompt> Human: Ive put a lot of money to me into bond ETFs, and have been putting more and more money into stock ETFs to raise my stock-to-bond ratio. But now it just seems like too much money to lose as the market keeps going up and were due a recession. I keep hearing about how bond ETFs are new and if they crash no one knows whats going to happen. In the last few years, Ive made more money than I ever have. I was also unemployed for long stretches of time before. I have a large amount of savings enough for a year, and much more in an investment account. I cant help but feel my current job wont last a life time what does anymore? and I cant figure out the amount of risk Id like to take. Its a lot of money to lose. Whereas in a savings account, I lose money due to inflation and theres an opportunity cost to hoarding money there--but Id still have the cash there when I need it.Maybe Im just a worrier. Have any of you felt this way before? How do you manage your risk?  <response>: You only lose if you sell 