2nd
If your 401k or Roth IRA has lost more than 20-50% think about buying THINGS instead.
Take your money out and buy a new car they only lose 20% driving it off the lot and the main thing is that you can actually use it. Drive across country.
Other things you could buy are clothes, furniture, landscaping, windows, and a swimming pool, all of which will go down in value as soon as you buy them but who cares you are having fun. You can always sell them on Ebay.