6% loss on the year so far (Dow down 8.72% on the year before today's uptick)? Meh. That's actually a decent amount of money for me, but it's all just par for the course. Market goes up, market goes down. I wouldn't have the money that I do in my retirement accounts without the overall upward trend of the markets, so you have to embrace both. Fun to see the market go north, because ultimately that is how you end up with a big ol' pile, but when it goes down, you just consider it buying at a discount. It will get all swole later on.
Invest money today that you don't need today so that you will have money when you retire. It's really that simple of an idea.