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Editor’s Note: This story originally appeared on The Penny Hoarder. Watching the stock market over the last month has not been much fun. And, if you will be relying on savings withdrawals, market downturns can be particularly stressful. You may be looking at delaying retirement, tightening your purse strings, or both. However, a great post by Ben Carlson on the A Wealth of Common Sense blog this…