The stock markets are a mess this year. The S&P 500 is down 4.07% this year. The Nasdaq is down 7.95% and in correction territory. The Dow is down 1.56%. And the Russell 2000 is down 7.69%. My group texts — normally reserved for sports discussions — are blowing up with investment-related questions and commentary. Among the common questions: “What’s going on?”  “Should I buy the dip?”  “Where should I…