Many people are uncertain what to do when it comes to the question of stocks. In a continuing segment of Clarkonomics, Clark examined the investing angle of the economic slump. The real question is should any of it matter to how you create long-term security? Clark recently saw a couple of alarming headlines in The Wall Street Journal: "When is it time to buy stocks again?" and "Are stocks cheap?" There are two things Clark doesn't believe in: Buying individual stocks and timing when to get in and when to get out of the market. Clark believes in buying stocks through mutual funds or ETFs (exchange-rated funds). Basically, he buys a basket of investments with little slices and dices of a lot of different companies. He also buys on a consistent basis -- via his 401(k) every pay period and via an investment plan every month. But let's cut to the chase: Should you be worried by the market volatility? If you're near retirement age and aren't diversified in your assets, yes, you probably should be. But if you're young, it's good to have a decline in share prices now. The decline means that you can buy more shares for the same dollar.