What a week it has been for market volatility. Just Monday, the S&P 500 plummeted 7% at the open, tripping circuit breakers that briefly halted trading at the New York Stock Exchange. Plus global oil markets plunged after the implosion of an alliance between OPEC and Russia caused the worst one-day crash in crude prices in nearly 30 years. Then Thursday, a level-one circuit breaker was triggered yet again minutes into the opening bell after the S&P 500 dropped 7%. 

In this episode of Retiring Today, Loren Merkle breaks down what a Bear Market is, what you should be considering and why he doesn't see a recession is in the books for 2020.