Not sure how to handle the downturns in the market? If you're young, just ask Uncle Bill:

"...you are doing other things like getting started in a career, thinking about where you want to live in the long run, can you afford a house, are you going to get married, have kids...and on and on.

Secondly, you don't have enough money to worry about. If you have been contributing to your 401(k) or IRA and have only been working a couple of years, you have $10,000 max...

...If you are just an ordinary young person, you could hit every move just right and not have all that much more money in the bank.

So do nothing."