If you are in good quality stocks or mutual funds, don't panic. "If you have time on your side and you don't need this money for at least 10 years, then continue to contribute to your retirement account. Just keep adding to it month in and month out," Orman insists.
If you are still frightful that the markets may crash because of what's going on in Washington, Orman recommends you look to history for guidance. "Remember 2008, if you had just stayed the course," she laments. "Within five years or so the market came back big time, more than it had gone down," she says.
During the recession of 2008 the Dow Jones Industrial Average fell more than 50 percent from roughly 14,000 to below 7,000. Today, the Dow is trading above 15,000.