Do you wince with every new headline about a quarantine, knowing the market will likely panic? Well, no matter how great your investment strategy, it’s your willingness to stick with it that ultimately will help you meet your financial goals. In fact, research shows, simple G-R-I-T is even more important than intelligence and talent in determining success.

Big market drops can hurt. Maybe even a lot. But you have a plan for that. And working that customized, long-term financial plan means taking advantage of wealth-building opportunities a down market can offer. Here are five planning items to consider now, so that when the market does bounce back, you’ll be in a place to make the most of it.