. >> reporter: and keith overton is a financial planner at morgan stanley. he say as day like today on wall street matters most for those closer to retirement, those who can't wait several years to make up for losses. >> and what if the market decided to stay down for a couple of years, how will you retire? it is a different ballgame. you have to pay more attention. >> reporter: but no matter your age, when it comes to stocks, you need to know what you own. if you don't, you should ask. >> the important thing for an every day person is pay attention to what you ownment don't just plan your money into a 401k without knowing what those mutual funds are doing. >> the dow closed down today 391 points. financial experts tell us that this number is significant enough to cause concern. courtney robinson, 10 news, wcsc. >>> now, to find the cheapest gas the your neighborhood, just head to wtsp.com and click on traffic and then click on gas prices. >>> still to come -- 10 investigates why some cities refuse to spend a ton of your money on low turn-out elections. >>>