No wonder Average Joe finds it hard to comprehend the investing landscape, and just how he/she will cope with buying a new house, or funding college, or prepping for retirement.  On the heels of a great Q2 GDP number on Wednesday, and expectations of another good jobs report tomorrow, the DJIA plummets over 300 points today (nearly 2%), wiping out all the gains of 2014 in one 6 1/2 hour trading session.    The reasons are many, mostly involving the consequences of government fiscal policy, but to the newbie investor who just added to the equity fund in his/her retirement fund,   WHAT THE HECK !