The closing bell today at the stock market is signaling more financial uncertainty in 2016.
The DOW was down more than 500 points earlier today, regaining about half before closing bell.
Part of the blame is falling oil prices, now the lowest since May of 2003.
But experts say there's more at play here. and people have to think long term with their investments.
When the stock market fluctuates, investors can panic.
"It's so much a 'fear and greed' thing," says Certified Financial Planner Kay Knuth. "Emotions play a large part, and then rational thought is completely erased."
And experts say there's more than cheap gas fueling this downward trend.
"There's other pieces to the picture besides just oil," says Knuth, "and how it impacts the stock market."
Tonight at 10:00 on NBC26, Billy Wagness talks with experts who say "don't panic" just yet when it comes to the stock market.