Worst part is opportunity cost of vacations, while my friends are getting paid for time off, I usually glance at the market while on vacation and think of the missed opportunities. This is a direct result of seeing the market down 500 while I was sitting in an airport in spring of 2000, and this year I was on a ski trip when the market reversed off its lows in March. These monster paydays don't happen often and I always worry I will miss them.