[shostack]

>"If your employment situation is stable and you're not planning any large withdrawals, this is probably not something to immediately worry about."

This is an important note. If we do face another Black Swan event like the housing crisis, it may not be directly related to housing in the same way. As such, it signals a general "be on alert" from a risk standpoint. If you would be in serious trouble financially if you lost your job tomorrow, you may want to shore up your cash position to ensure you have a way to ride things out. If you feel relatively secure, you may want to free up some liquidity for opportunities that might present themselves. If you're about to buy a house, now might be a good time to move those funds out of the market, or consider the timing of your purchase altogether. These are just a few considerations.