Something to fall back on? Have you gone all in? If so, then I'm sorry to say, but that's probably the worst mistake you can make, generally speaking.

In most cases people who constantly worry about what the market will do, are either heavily over-invested, or they have gone all in. In both cases it's a silly error.

Other than that, I don't know what's wrong with people lately ~ more and more rookies pop up thinking the price will fall back all the way to zero. Take your money out and never come back!!