Don’t let fear guide your decision-making process. A friend once told me this , and it echoes something my accountant once told me. He says that too many people make money moves based solely on the tax repercussions. “That’s dumb,” he told me. “You should do what you want because you want to, not because of the tax hit.” This applies in all aspects of life. Make decisions based on what you want to do. Move toward something, not away from something.