If you’ve done any type of investing or watched any sort of financial news, you’ve probably heard the term, bear market. Depending on your investment or financial knowledge you may or may not know what a bear market is. In my 40s I have made it my mission to be smart and savvy about investing, spending and donating money. I am a cautious investor and honestly quite new to the stock market so when I read stock market news I take it to heart and all of the talk recently about bull and bear markets got me wondering what does that mean to the average person? Today, I want to cut…