I am really beginning to wonder if the stock market fluctuations matter for anything short of a total economic collapse. When I graduated college a few decades ago it was "the worst job market in 25 years" - when the stock market "collapsed" in what was it 1979 - did it really change anything? Did the tech bubble burst or teh market collapse of 2008 -Enron or Lehman Brothers mean anything to anyone except the people invested in those particular stocks? I really don't think it affected me or 90% of anyone else who doesn't have an adjustable rate mortgage. So if the market goes from 10,000 to 5,000 or to 15,000 would it have any impact on me at all? I'm, not sure it would. Am I the only one who feels this way?