Depending on when you looked at the stock market Friday, you either saw a rally or a plummet.

At the end of the trading day, the markets closed on a modest gain, not quite 2008′s financial-crisis level. Even still, worries compound on the deficit, the economy is floundering, a debt crisis in Europe looms, and even slight improvements in the job markets can't do much to sway outlooks

Workers with a 401(k) are clearly reacting to all of this, says Winfield Evens, an investment consultant at Aon Hewitt. And they've been reacting fast all week.

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