Toni Molina is among the millions of people waking up this morning discouraged by Monday's stock market plunge. She says it's getting so bad she is now reconsidering when she'll be able to retire.
"I'm very concerned. I could have retired, but then again I'm going to work a while," said Toni Molina.
Even though the Dow dropped 370 points -- dipping below 10,000 for the first time in four years -- others are not as concerned.
"It's going to recover. People just have to be patient. It always cycles," said Colleen Granza.
Those who work in the financial industry say there are positive signs this morning as overseas markets start to recover.
"A little bit of a bounce overseas because of the anticipation of maybe Australia lowering some of the interest rates, and i haven't seen any confirmation of that. But just the thought of it or the idea of it, we're going to see the market bounce a little bit. We have seen some of the stocks this morning, but i don't know if we're going to see a good follow-through," said Ray Czupek, Trader.
"It looks like we may rally a bit today. The rest like the oil and soybeans, they are already up like 160 points," said Ryan Fox.
The rough markets have been especially hard on people nearing retirement. They've been watching their 401K's and retirement portfolios with concern as their nest eggs continue to shrink.
Robert Wilson is a financial advisor with 5th/3rd Bank. He says when it comes to 401Ks, it's important not to make any rash decisions.
"I would leave it there. It's kind of a roller coaster ride right now. I know the first initial response is to move everything, but you kind of have got to ride it out. You have to let the money work its way in the system, so just kind of hold on. I know you just have to trust us on this one," said Robert Wilson, 5th/3rd Bank.
Most financial experts say despite fears you may have about your investments, pulling your money out of the stock markets at this time is not the right move -- especially if you are not retiring anytime soon.