Most portfolios don't have rules. They have allocations, projections, and assumptions. But when markets drop 20% and you need to take a distribution, there's no system telling you what to do. No rule for which account to pull from. No structure preventing you from panic-selling at the bottom. Every decision gets made under pressure, in the moment, when emotions are running highest. That's backward. And I learned exactly why during a war. When My Models Got Stress-Tested for