The fact that the DOW dropped more than 800 points at one point on Monday has everyone weary of the future. However, experts say to only worry about the things you can control and to try and maintain during these tough times.

The bad day for the market ended with the DOW at a loss of nearly 370 points. And for many hoping the bailout will eventually come through, they're worried. Frank Williams, a Tallahassee resident said, "It's difficult to predict. I just hope that they're making the right decisions for the best of all of us."

And those making decisions urge that there is no quick fix, as President Bush did his best to quell fears saying, "We don't want to rush into this situation and not have the program be effective."

Local financial adviser with Waddell & Reed, Rick Theobald, says Wall Street's current day to day status is not an indicator of the big bailout's success. "You can't mistake a sell off day on Wall Street as Wall Street's ratification of whether or not it's a good or bad plan. There are some truisms that the market will react how it will react." said Theobald.

And although the Federal Reserve is making more money available for borrowing, there's still a waiting period until the economy shows improvement. Experts say average Americans should not be scared--they should be smart with their money.

"You need to do the basics of blocking and tackling the little things like, if you have a budget, live on a budget. You need to save some of your money. You need to give away some of your money and you need to care more about the other guy than you do yourself because we're all in this together." said Theobald.

For the very latest on what the government is doing to try and help the economy--it can be found on the web site for the U.S. Senate Committee on Banking, Housing, and Urban Affairs. Just click the link below.