Let's see, I just went to Lowe's supermarket and bought a little MahiMahi steak(on sale $4.99 lb.). Got a big bottle of nice Chilean wine(on sale $8.99). Seems like a well stocked store. Bought some gas for the 4runner(they are nearly giving those away around here). Paid $1.70 a gallon. No lines for gas. Schoolbus dropped off the neighborhood kids on time. Traffic lights still work. Heat is on. Had the wine with the grilled MahiMahi. Nice! The 3 youngest kids are still away at school. The jets are still landing every minute or so(I am in Charlotte right now, not Watkins Glen). There is unemployment, and times are tough, but a lot of folks are still working and getting paid. But plenty of guys and their families on this board are hurting
What is my point? Yeah, the market is tough right now but things will get back to normal in the next year or so. If you don't need to crack the retirement account right now, let it ride. But maybe you might want to rethink the dollar averaging scheme, and stay in cash with your contributions if you can. If Fed Reserve governors are saying stay in cash and canned beans, that's good enough for me right now.