I can see why you’re concerned, having purchased at a market high point and now (when things are a bargain) not having the cash flow available to take advantage of it.

What I’d say is this: Of course, do your best to try and minimize expenses to free up some cash flow to invest. And beyond that, there’s no sense in worrying.

You already know that the answer is not to take your money out. You also know that you’re looking at many many more years for your money to grow (after it recovers to where it once was).

In short, invest what you can. Beyond that, don’t worry about it.

And I’m afraid I’m going to lose.

I was earning a lot in the last few years, and investing heavily into mutual funds.

I quit my job a few months ago to have a baby, and now my husband and I don’t have extra money each month to invest.

This freaks me out, because we bought most of our investments at a high cost per share. And instead of buying more shares with our money now that the market is down, we’re basically not investing anymore.

What do you recommend for someone in my situation?