 As a matter of fact, that's a good time to buy some stock is when the market's down. But usually people are selling because they had all their money in the stock market and they finally give up and sell right when the market's starting to recover sometimes. So if you have the right combination of your money, risk and safety and liquid money like emergency money, you can reach in and scoop up some at a good bargain, some stocks when they're down. But you don't have to.