It seems traders on Wall Street are panicking over the possible effects of the Covid-19 epidemic.
But before you jump out of a window over Coronavirus mania, consider what our money experts have to say.
"This is something we consistently warn our clients and investors and listeners is that, you don't want to get alarmed by headlines."
Smith says keep your head and stay the course.
"We have seen epidemics before, this is not something new in history and they are usually short-lived; and I think investors should look at what short-term money needs and long-term growth needs and not deter from their plans."
But Smith says Wall Street will probably continue to panic until China shows it has the virus contained.
Smith says the markets hate uncertainty.
"Well, I think we're going to have to see that it's contained and cases are dropping where it's located, and so far we have not seen that. Cases continue to rise and spread and as long as it spreads the more uncertainty we're going to have."
Smith says traders are worried about air travel being affected as the virus spreads into central Europe. Oil was down too because traders worry demand will drop.