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With a volatile global market filled with uncertainty, Wall Street's woes have trickled down affecting more than just investors.

"Business is going down for the last few years," said street cart vendor Ahmed Sabry.

Sabry sells coffee and donuts from his cart near the New York Stock Exchange. He says he's selling less these days while trying to stay positive.

"You always have a hope that things will get better. It doesn't look like it but you try," Sabry said.

Sherryann Chitamon, the assistant manager of the nearby Variety Cafe, says times are tough there as well. She says business usually slows down in August, but that this year it's
down 10 percent.

"It's scary now. My boss, I don't know if he's going to have to cut workers. We don't work for the stock market but we're scared too," Chitamon said.

It's clear that people won't start spending more until the economy improves. Since no one knows when that will happen, the question becomes what to do with one's money in the meantime.

"I would say in this type of environment, being cautious is probably going to be the best rule of thumb," said certified public accountant John Vento.

Vento says he's been telling his clients to avoid a portfolio that includes a lot of stock and stick with things like bonds, which carry less risk. He says holding on to your cash isn't a bad idea either.

"One, it'll stop you from losing even more money. But then when the right opportunity comes up you'll have the money available to re-employ back in the market," Vento said.

Experts point to the market's history which, over time, has always grown.