Stocks are going through a cyclical decline and investors are nervous. Whether nearing retirement or younger, you can be positioned emotionally and financially to weather a down cycle. Also - Planning ahead for Valentine\u2019s Day can help you save. Clark smart tips on Valentine\u2019s gifts, and a warning about romance scams.\xa0\n\nSTOCK MARKET: Ride the Decline Fortified: Segment 1\n\nAsk Clark: Segment 2\n\nValentines Day Planning: Segment 3\n\nAsk Clark: Segment 4\n\n\nMentioned on the show:\n\nUsing the Price-to-Earnings Ratio and PEG to Assess a Stock\n\nDollar Cost Averaging Makes You a Fortune Over Time\n\nWhat Is a Roth 401(k) and How Does It Work?\n\nWalmart Unveils New Walmart+ Membership Program\n\nHow To Opt Out of Verizon\u2019s New Data Collection Policy\n\nBark: Parental Control App for iPhone, Android, & Amazon Fire\n\n\nClark.com resources\n\nEpisode transcripts\n\nClark.com daily money newsletter\n\n\nConsumer Action Center Free Helpline: 636-492-5275\n\n\nLearn more about your ad choices: megaphone.fm/adchoices\nLearn more about your ad choices. Visit megaphone.fm/adchoices