For the people who believe the stock market will go down 50% in the upcoming bear market...

Take thousands of dollars = that you have set aside now for "emergency" fund and put in a "LIMIT" order to buy "ALL OR NONE" of 100 quantity of one stock at a price that is as low as it was back in 2008. Have that limit order to go until you decide to cancel it.

That way, you have your emergency fund still, but if the stock market does go down, you have bought in at a good price.

Oh yes, might want to make sure that purchase is for a dividend paying stock.

Best of luck in whatever you decide. Lots of websites such as dividendmantra. He also includes blogroll of others like him out there who are investing.