At what point is it rebalancing and not panic selling?

L'auteur cherche des conseils pour rassurer son épouse qui veut retirer son argent du marché en raison de la baisse actuelle, alors qu'ils ont une stratégie de long terme et une diversification

My wife is not happy with current market conditions and has expressed her desire to pull her money out of the market until sometime in the future. Background: she inherited 300k in 2018. That sat in a money market for 6 years and basically did nothing. I was finally able to convince her to let that money work for us last year. We put 200k into a brokerage account, 50k in CDs and 50k in HYSA. The brokerage is all in VTI. We have other investments that balance in internationals as well (about 10%). Everything was good until this month and markets are trending down for the first time and she’s panicking. I’ve explained to her that we’re in it for the long haul and diversified enough with the cash and international and should leave everything as it is, which does not satisfy her. Are there any changes you’re making to your portfolios in this turbulent and uncertain time?