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IT IS NOW 618. THE STOCK MARKET HAS HAD A LOT OF TURBULENCE LATELY, AND IF YOU’VE CHECKED YOUR ACCOUNT, YOU LIKELY SEE LESS MONEY IN THERE, EVEN THOUGH YOU CONTINUE TO PUT MORE MONEY INTO IT NOW. I ASKED FINANCIAL ADVISOR SCOTT COLE WHAT THIS MEANS FOR YOU. HE SAYS UNLESS YOU NEED THAT MONEY TODAY, IT REALLY MEANS NOTHING. COLE SAYS THESE KIND OF DOWNTURNS IN THE MARKET CAN ACTUALLY BE ADVANTAGEOUS IF YOU ARE YOUNGER. INVESTOR. IF YOU’RE YOUNG, THIS IS THE BEST NEWS YOU COULD. YOU COULD HEAR FRANKLY, AND YOU WANT TO PUT IN AS MUCH MONEY AS YOU CAN, HE SAYS. YOUR MONEY IS DOING MORE. WHEN THE MARKET’S TREND DOWN. THINK ABOUT IT LIKE BUYING THINGS ON SALE. YOU’RE BUYING MORE SHARES, MORE SHARES WHEN THE MARKET IS DOWN. AND HOPEFULLY IN RETURN YOU HAVE A BIGGER REBOUND WHEN THINGS PICK BACK UP. NOW, IF YOU ARE CLOSE TO RETIREMENT AGE, COLE SAYS THERE IS A FEW OPTIONS. IF YOU REALLY NEED TO, YOU COULD CLOSELY MONITOR YOUR ACCOUNT AND DELAY RETIREMENT IF NEEDED. AND THIS ISN’T A POPULAR RECOMMENDATION, BUT YOU COULD ALSO SCALE BACK ON THAT EXPENSIVE VACATION OR DREAM CAR YOU WERE GOING TO BUY. BUT COLE SAYS YOUR INVESTMENTS CAN STILL MAKE YOU MONEY AFTER YOU RETIRE. YOU DON’T NEED THE ENTIRE BALANCE OF YOUR RETIREMENT PORTFOLIO NEXT YEAR. THAT RETIREMENT PORTFOLIO HAS TO LAST. YOU 20, 30, 40 YEARS. SO ONE OF THE CONVERSATIONS THAT WE HAVE A LOT WITH OUR CLIENTS IS THE NOTION THAT YOU’RE SUPPOSED TO BE OUT OF STOCKS BY THE TIME YOU RETIRE, AND THAT’S NOT TRUE AT ALL. A LOT OF FINANCIAL ADVISORS ADVISE PULLING 4% OF YOUR PORTFOLIO A YEAR. THAT WAY, THE REST OF YOUR INVESTED MONEY CAN KEEP MAKING MONEY. NOW, COLE SAYS, SHAKINESS IN THE MARKETS ARE AS COMMON AS THUNDERSTORMS IN THE SPRING. BUT NO MATTER WHAT, SAVING LITTLE AND OFTEN, NO MATTER WHAT KIND