Kelli B. Grant is a writer covering personal finance and consumer spending for CNBC.com.
Prior to joining CNBC.com, Grant was the senior consumer reporter for MarketWatch.com and SmartMoney.com. Her work has appeared in The Wall Street Journal, The New York Times, SmartMoney, Kiplinger's Personal Finance, Good Housekeeping, Real Simple and Family Circle, among other publications.
Grant holds a bachelor's degree in journalism and anthropology from Ithaca College.
If you are thinking about bailing on the market, stop and consider the real consequences.