When your investment balance seems to be shrinking every time you check your statement, it's hard to feel like you're making the right financial decisions -- especially in this economic climate. Carmen Wong Ulrich of CNBC's On the Money shares her insight for this common question and why it's not always smart to cut and run:

If you have a question you'd like Carmen to tackle, post it here in the comments or email us directly at ivcommunity@mail.ivillage.com

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Watch Carmen Wong Ulrich's 'On The Money' Weeknights at 10PM ET on CNBC! Find more information on coping with the economy with our Bail Yourself Out resources.