The Vanguard survey found that individual investors, when faced with a notable market correction, seem to be confused about what to do next. If your savings decline, your logical and natural impulse is to reduce your spending so that you can build up your savings. At the same time, you may also see the correction as an opportunity to buy by adding money to your long-term investing accounts. But experts at Vanguard saw that, psychologically, many individual investors have a difficult time doing this, since the emotions and sentiment associated with a significant decline may cause many investors to leave the market. Many respondents felt they would merely work more or delay retirement, if they were several years from actually retiring.