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Using LAMF to Stay Invested and Avoid Selling in Bear Markets
LAMF acts as secondary liquidity beyond your emergency savings.
In 2026, bear markets are seen as "Accumulation Phases." If you sell to pay bills, you stop accumulating. LAMF keeps you invested. Effectively, you are borrowing at 10% to keep an asset that yield 25% during recovery. This "Positive Carry" is the secret of wealthy investors. Staying invested during the 2024-25 downturn using LAMF would have yielded a 35% higher net worth by 2026.