I'm wishing I could dream up a way to use paper gains in the stock market to pay for infertility services and other kinds of payments. Because otherwise you never have enough time to realize those gains, as witnessed as most of my gains have evaporated. I come from a strategy of being a long-term investor but after this last decline I am reconsidering. If I'd sold a bit more and took some gains, I would have paid more taxes but I'd have more cash now when I need it. Versus, using REAL money for these services and watching all the paper gains disappear.