I've spoken on and off about the possibility of a stock market crash, but it's quite different to live through one. I've also learned a lesson about how humbling and sneaky the market can be, because this was not the crash I expected, a big one day event. It was a crash that happened over a series of days. And I shouldn't even be using the past tense. The crash is still taking place.

There is no easy advice to give at this point. As with all financial moves, what you do will be based on your own risk tolerance and time horizon. There are many different theories on how to manage money, and we each need to follow the one that suits us.