Disciplined investors view a bear market as a great opportunity to invest available cash into stocks trading at deep discounts. But those who fled the market in early 2020 struggled with staying disciplined. Their fears, emotions, and worries about a very uncertain world got the best of them. These same investors are likely not viewing the current stock sell-off as a buying opportunity. As we like to say, “Math is math” and perhaps it really is an opportunity for many of us given these lower prices.