Monday's stock market plunge may be Tuesday's headache for some.
Economists are calling the nearly 2,000 point dow drop, the worst in history for a single day.
But perhaps the bigger headline is how it affects you.
Stocks and bonds are important for investors and even everyday people, but the biggest investment of all, is your future, according to one
local college professor who said, the recent stock market crash is nothing to fear.
Dr. Joshua Lewer, 'Professor of Business' at Bradley University stated, most people have a very basic comprehension of the stock market.
But even for those who don't dabble in wall street affairs, it's hard to escape stocks altogether, seeing as how some of them are tied into major accounts like 401ks and college tuition savings accounts.
After a 4.6% drop on February 5th, the biggest decline since 2011, the question on many minds remained 'Is my money in danger?'
"If you invest in the stock market your wealth went down." Lewer explained in a matter of fact manner. "But that's one day. If our economy can stay strong we should be in good shape. The stock market in the long run will continue to do what it does which is reflect the fundamentals of the economy."
But the professor stood by his assertion that panic should be nowhere in sight.
"It's common for stocks to be down 30%, 25% percent in a year." added Lewer.
He explained that the market crash points to a larger issue, however; instant gratification on the part of Americans. He added some of the panic associated with the decline has to do with people planning for fun rather than their future.
"There's more people that drink coffee than save for their retirement. It's all about living for the weekend. They don't make a budget. They don't automatically save for their future."
As he continued to break down the major economic event, Lewer went on to say the up and down nature of the Dow - which is an average of the stocks that belong to 30 large, American publicly traded companies - should be on everyone's radar, but setting money aside so that you don't have to depend on that radar is the best way to protect yourself.
"One of the things I talk about in my class is the importance of paying yourself first. You should have a plan, stay with your plan in up times and bad times." declared Lewer.
Inversely, he explained for folks who are not ready to retire yet, this is the best time to invest, because you can purchase more shares, for pennies on the dollar.