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NEW YORK ( TheStreet) -- Our markets have gone from being overly complacent to overly worried. Those were Jim Cramer's thoughts to his "Mad Money" TV show viewers Monday. Cramer said that while investors have lots of worries on their minds, they're probably not worrying about what really matters. Case in point, the fiscal cliff. Cramer said the markets have swung from unbridled optimism to the sad realization that a deal won't be reached by year's end. Both sides continue to dig in their heels, said Cramer, which means we'll need to fall over the cliff so everyone can then unite on a package of tax cuts by the Super Bowl. In the meantime, be prepared for a 4% to 5% market dip. Then there are those worried about the Federal Reserve causing rampant inflation. Cramer said that view assumes the Fed's actions will actually work and stimulate growth and, more important, jobs. Let's hope it works, said Cramer, and worry about the consequences later. Retail is another worry on investors' minds. The effects of Hurricane Sandy, warm weather and the fiscal uncertainty are taking their toll, said Cramer, but that still leaves housing-related stocks and even the banks as good buys on weakness. Still others are worried about international issues, said Cramer. In reality, Europe's debt markets have been a terrific place to invest this year. Europe is stabilizing, he noted, and China is on the mend, making investments there a good idea. Finally, there's Apple ( AAPL), a stock Cramer owns for his charitable trust,