13 of 21
BACK NEXT
13. Check your math
A 300-point header in the Dow sounds bad. But unless you're 100% invested in stocks, your personal returns are almost certainly not as bad as the market's daily drubbings. Even a 30% stake in bonds would have cut your recent losses by more than a third.

Go to our Retirement Planner to check your progress toward your retirement goals . Plug in vital stats like your age, income and pre-bear account balances to see what the odds of retirement success were.

Now repeat with your bear-mauled balances. If you're a 40-year-old aggressive investor with a $240,000 401(k) and you earn $150,000, you may need to boost annual savings by only 3% to get back on track.

NEXT: Watch out for scammers

Last updated August 16 2008: 4:37 PM ET
More Galleries
This is how far robots have come since the 1930s Are robots catching up to humans? Yes. Should we be scared? Find out! More
The median home price is $236,000. Here's what that buys you The median home price climbed to $236,400 in June, according to the National Association of Realtors. Here's what that will buy you across the United States. More

Special Offer