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Today's stock market sell-off has a lot of people worried. "#BlackMonday," "Wall Street," and "The Dow" are all trending on Twitter, and as with all market panics, fear has bred even more fear — some of it rational, most of it probably not.

You're probably wondering: should you really worry, stuff your cash under the mattress, and head to your fortified bunker filled with emergency rations? Or will you be okay? To help you decide, we put together a little flow chart.