MILWAUKEE - What's up on Wall Street? Monday was a roller coaster day for the DOW, and that has many people feeling sick about their money. It was supposed to be the beginning of the stock market comeback. The big bailout was in place. Consumer confidence was bound to follow, but it didn't happen that way. The DOW ended the day down about 370 points. The NASDAQ and S&P also closed lower, part of a record day on Wall Street. Why is this happening? Wasn't the big bailout supposed to stop these destructive days on Wall Street? Part of the problem right now is money is tight. Banks are refusing to lend money to their customers. "Ice in the pipes:” That's how investment advisor David Andera describes the credit crisis gripping the country. "The water's in the pipes but it's frozen," Andera explained. "It's not accessible and that really represents what's going on in the credit markets today." TODAY’S TMJ4’s Charles Benson: "What's frozen here in those pipes is the money, money's not moving?" "Correct. The money's there, it's just not being lent right now,” Andera said. Charles Benson: "If I am a farmer, a small business owner or have a kid going off to college, why won't the banks give me money?" "It gets back to they're uncertain about their exposure to the risk present in their mortgage securities that they own right now,” Andera said. So what's the best way to unfreeze the pipes? Well, a blow torch could be dangerous, but think of the government's $700 billion bailout plan as a blowtorch. It should get the money flowing again. "We've seen some thawing in the pipes already, and the government plan is intended to help create a thaw on a more rapid basis,” Andera said. Not fast enough as Wall Street drops and Main Street worries. Charles Benson: "What do you do now? What do you do during this difficult time?" "Obviously you don't panic," said Andera. “Everybody is going to tell you that." Andera's best advice: talk to a financial expert, but the most important lesson to take away from all of this is that the problem isn't going away any time soon.