Watching your life’s savings fall during a market crash can be terrifying — especially when you’re nearing retirement. But fear doesn’t have to guide your future. In this clear, practical, and empowering guide, Terry N. Lowe shows how to protect your nest egg and even find new opportunities when markets take a turn for the worse. This book breaks down the key lessons every retiree needs to know about retirement investing strategies and how to protect their retirement portfolio during a downturn . You’ll discover simple ways to manage risk, keep your income flowing, and recover faster after a market crash . Terry’s calm, human approach helps you make smart choices that fit your lifestyle and goals, not just your balance sheet. You’ll learn how to secure your retirement savings during a bear market without panic selling or guessing what will happen next. The book explains how to build a solid cash cushion so you never have to sell investments at the wrong time, and how to use tax-smart retirement moves like tax-loss harvesting for retirees and Roth conversion in a down market to cut your tax bill and grow your long-term wealth. Terry also reveals how to use your home, skills, and savings to create alternative income streams such as home equity , part-time work , and annuities that give you peace of mind during uncertain times. With real examples and simple explanations, Terry teaches how to handle sequence of returns risk , the hidden danger that can hurt retirees who withdraw too much during market declines. You’ll see how diversifying your retirement portfolio after a market drop and rebalancing at the right time can protect your future income and give you more control. Each chapter focuses on realistic steps for late-career investors who are retiring during a recession or planning to do so soon. You’ll also learn a safe withdrawal strategy in a down market that helps your money last for decades. If you want to keep your retirement safe in a market crash , live well after retirement through market turbulence , and discover smart moves for retirees when stocks fall , this book gives you the confidence to act wisely instead of emotionally. It’s packed with insights for those looking to recession-proof their retirement savings and turn fear into financial clarity. Readers will gain more than advice — they’ll gain understanding. Terry N. Lowe’s voice is warm, relatable, and grounded in experience. He shows that no matter how wild the markets become, you can still take charge of your future. You’ll finish this book with a clear plan to protect your income, reduce your taxes, and feel secure in any economic climate. If you care about your financial peace, your family’s comfort, and your freedom after decades of hard work, When the Market Tanks is the roadmap you need. It’s time to stop worrying about what you can’t control — and start using what you can.