Low energy prices are important to the success of U.S. businesses, so it's no surprise that most financial pros believe the drop in crude oil prices has helped the U.S. economy.

On the other hand, if oil prices get as low as $30 a barrel, many of the same professionals worry a global recession could follow.

That, in turn, will likely hurt the portfolios of individual investors as well as the investments of retirement funds, many of which include energy stocks or funds.

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