We're just days away from the debt ceiling deadline and some residents say the future scares them.
"If this government shutdown continues, I think that a lot of things might go wrong," said Penfield resident Anne Pytlak.
As negotiations in Washington play out, investors watch the market.
"I have the 401k with work, and then I do have a couple of my own little things," said Pytlak.
As Oct. 17 approaches and the question remains whether the debt ceiling will be raised or not, Pytlak says she is not touching her investments. She admits that may change.
"I don't think so. Only if it really started looking like a long-term problem, but as long as they do something about the debt ceiling and everything,then I am not too concerned," said Pytlak.
Matt Cowell of Rochester shares that sentiment.
"I don't know that the government has that much of an impact as they would like to think," said Cowell.
"It could be as bad as the downturn that we saw in 2008," said Mark Zupan, Dean of Simon Business School.
Zupan maintains the debt ceiling decision is important.
"If we default though on our debt, that will be more catastrophic, because that will do damage to our reputation as a country and our trustworthiness," said Zupan.
A trustworthiness that not only has people worried about their stocks but also their loans.
"I'm really worried about my student loans. I just don't know what's going to happen because of that. Who knows, really, with the whole Obama changing all the rules and things like that. They have to get their act together and start working on it," said student loan borrower Aaron Jackendoff.
Now the only thing to do is sit and wait.
"Right now, I am just holding. I'm not changing anything at the moment," said Pytlak.